Careers

Chief Credit Officer 
 

FLSA:                      Exempt                      

EEOC Class:          Manager

Department:          Credit
Reports to:             CEO

Position Summary: Monitor and manage credit risk within the bank and its lending activities including evaluating the credit processes and discipline within Lending Department – strengthening when appropriate and actively participating in the credit/investment approval and risk management processes.

Essential Duties and Responsibilities:
 

• Establish a strong credit culture within the Bank.
• Review credits prior to submission to Management Loan Committee and the board and provide feedback/guidance to the lenders that will strengthen the credit (if needed) and conform to policy, and ensure that policy exceptions are duly noted.
• Recommend changes to Lending and Compliance Policies as needed.
• Review and provide risk ratings for loans up to $500,000.  These loans will be sampled by outside Loan Review Consultants.
• Coordinate review of the larger loans with the outside Loan Review Consultants and report on overall portfolio quality based on own and consultants’ review.
• Review Allowance for Loan Loss to ensure it is accurate and reflective of the quality of the loan portfolio.
• Improve Board and departmental reporting on loan portfolio, including review of outside Loan Review consultants’ ratings, geographic product and customer concentrations.
• Interface with the Board of Directors, OTS, the Federal Home Loan Bank and other outside parties on matters concerning credit quality.
• Establish, review and update Risk Asset Acceptance Criteria (RAAC’s).
• Other duties may be assigned to meet business needs, including due diligence with loan acquisitions.

Background and Experience:
 

• Strong commercial and real estate lending
• Understanding of OCC and NYS Banking Regulations
• Good verbal communication and presentation skills
• Self-motivated with strong organizational skills
• At least 10 years experience with portfolio level credit administration including experience in capital markets instruments and a broad range of commercial finance and commercial real estate credit underwriting and risk management activities
• Knowledge of Microsoft Excel and Word

 Please enter an “x” in the appropriate box.
 

Physical Requirements	Rarely (0 – 12%)	Occasionally (12 – 33%)	Frequently (34 – 66%)	Regularly (67 – 100%
Seeing: Must be able to read reports and use computer				X
Hearing: Must be able to hear well enough to communicate with co-workers and/or vendors				X
Standing/Walking:			X
Climbing/Stooping/Kneeling: Must be able to go up/down stairs at locations not equipped with an elevator and retrieve documents from file drawers at various heights				X
Lifting/Pulling/Pushing: Must be able to lift/carry several files at once			X
Finger/Grasping/Feeling: Must be able to write, type and use phone system				X
Travel: Must be able to travel to all bank locations and attend events outside of normal working hours		X