Chief Credit Officer

Overview

Invest In You! Tri City National Bank is not just a bank; it's your community banking partner, deeply committed to prioritizing customers, building strong relationships, and fostering a sense of belonging. Our team-oriented environment offers exceptional opportunities for personal and professional growth, celebrating success, and providing excellent benefits along the way. We believe in unparalleled customer service and the right banking solutions to help fulfill financial dreams and contribute to community growth.

 

The Chief Credit Officer is responsible for supporting and guiding the bank’s lending portfolio through effective loan policies and procedures. This role includes managing and directing the bank's credit approval process, real estate valuation, and other credit-related functions such as loan grading, impairment assessments, concentration risk management, stress testing, ALCO support, and CECL compliance.

Responsibilities

• Supervises and supports the department's operations as needed.
• Demonstrate superior customer service by setting a positive example and consistently following up with customers and staff. Conducts regular meetings on customer service topics.
• Reviews loan proposals for the Senior Loan Committee, recommending structures, terms, and pricing to mitigate credit risk.
• Prepares and shares information on credit trends, loan quality, and growth patterns.
• Participates in special assets management, focusing on improving weak credits and managing undesirable ones. Compiles loan status reports and implements action plans.
• Presents gathered loan information for approval from the Senior and Executive Loan Committees.
• Updates lending policies and procedures for efficiency and risk minimization.
• Ensures accurate risk ratings for individual loans during committee reviews.
• Utilizes effective decision-making in line with existing policies, adhering to approval limits while developing staff.
• Maintains knowledge of industry trends, economic conditions, and competitive factors.
• Supports annual deposit and loan growth targets set by senior management and participates in assigned internal committees.
• Supervises staff in their daily tasks, ensuring quality control and optimal resource allocation.
• Takes on special projects, gathers data, and prepares reports for senior management and other stakeholders.
• Encourages staff development through strong communication and delegation skills.
• Handles personnel actions, oversees daily department activities, and manages training.
• Fulfills various department functions during staff absences or heavy workloads.
• Adheres to policies and procedures, completing administrative tasks accurately and timely while supporting the Bank’s goals and values.

Qualifications

• Expertise in analyzing financial statements and tax returns through education in accounting, finance, or related fields.
• Extensive experience in lending activities and terminology, along with knowledge of state and federal lending regulations.
• Strong organizational and time management skills, with proven abilities in leadership, training, and delegation to enhance productivity.
• Proficient in using computer software for word processing and spreadsheets.
• Excellent verbal, written, and interpersonal communication skills for effective training, document interpretation, and customer interactions.
• Skilled in management procedures, including planning and budgeting, with a focus on staffing, training, and performance monitoring.
• Capable of resolving complex problems in non-standard situations.

EDUCATION AND/OR EXPERIENCE:

• Bachelor’s degree (BA) or equivalent from a 4-year college or university.
• Ten years or more relevant experience.
• Work-related experience should include a background in financial analysis or lending. Educational experience, gained through in-house training sessions, formal schooling, or financial industry-related curriculum, should pertain to business or the financial industry. 

Why Join Us: 

• Community Impact: Be part of a local bank deeply rooted in community values, contributing to the growth and prosperity of our neighborhoods.
• Innovation: Embrace a dynamic and evolving work environment that encourages fresh perspectives and continuous learning.
• Career Growth: Unlock future opportunities for personal and professional development as you navigate through our Pathways for Success.
• Celebration of Success: Join a team that values and celebrates individual and collective achievements.
• Work Life Balan