EVP, Chief Credit Officer

Summary:

Serves as the Executive Credit Officer of the Corporation who is responsible for credit risk management for the institution as a whole. The CCO, will be responsible for the credit risk framework including the loan policy, lending approval process, chair the executive loan committee, chair the asset quality committee, ensure property systems are in place to oversee the credit portfolio risk management, loan document preparation, loan operations, special assets, and the CECL model. Accountable for complying with all Bank Secrecy Act and Anti-Money Laundering regulations, bank policies and procedures.

Essential Duties

• Responsible for the Overall Credit Risk Management Framework of the Bank
• Chair the Executive Loan Committee
• Chair the Asset Quality Committee
• Oversee credit underwriting, credit analysis, loan document preparation, loan operations, and the special assets functions
• Conducts regular joint calling efforts with the Bank’s Market Presidents and Senior Relationship Managers to meet the Bank’s top credit clients and top credit prospects.
• Responsible for the internal credit risk grading system of the Bank and assisting to ensure a safe and sound credit culture across the Bank’s footprint.
• Assures adherence to risk rating system and, as necessary, recommends revisions to the Loan Committee.
• Oversees the loan-related technology systems of the Bank.
• Supervises collection efforts, including workouts.
• Coordinates with the CFO/CRO to assure proper reporting.
• Serves as the Bank’s regulatory liaison for Credit Risk Management.
• Is active in developing a strong peer group for the function and is engaged in the Risk Management Association.
• Assist Chief Risk Officer in any credit related third party engagements pertaining to Credit Risk
• Serves on various committees.
• Actively upholds the organization’s vision, mission and values, encompassing mutual respect, honoring commitments, working with integrity and accepting responsibility for own actions.
• Demonstrates knowledge of and adherence to EEO policy, shows respect and sensitivity for cultural differences, promotes working environment free of harassment of any type.
• Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.
• Has a strong commitment and dedication to internal and external customer service.

Requirements

Qualifications:

• Bachelor’s degree from a four-year college or university;
• Ten or more years of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of an in-depth background in credit risk management, commercial lending, and leadership skills. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be applicable to the financial industry.
• 10 Years of commercial lending and / or credit experience.
• Advanced knowledge of related state and federal banking compliance regulations, and Bank accounting policies and procedures.
• Intermediate skills related to the consolidation and reporting of Bank financial results, and formulation and implementation of Bank accounting procedures.
• Exceptional organization skills with the ability to provide leadership, supervision and training for multiple employees using positive supervisory techniques to ensure maximum productivity; demonstrated ability in organization and delegation skills.
• Advanced knowledge of human resources and labor laws and policies.
• Intermediate skills in computer terminal and personal computer operation; and word processing and spreadsheet software programs.
• Typing skills to meet production needs of the position.
• Advanced math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Exceptional oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
• Thorough understanding of management procedures; ability to plan department or Bank activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Bank activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate).
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Excellent organizational and time management skills.
• Ability to work with no supervision while performing duties.
• Current driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

Must be able to perform this position safely, without endangering the health or safety to him or herself or others.