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Chief Credit Officer

Company: Citizens Bank
Location: Kilgore
Posted on: June 12, 2021

Job Description:

The selected candidate will be responsible for oversight and administration of the Bank's loan portfolio through the monitoring and management of credit risk within the lending activities of the Bank consistent with the Bank's established policy and regulatory standards. The main purpose of this position is to establish the internal controls and written policies and procedures, subject to approval by the Board of Directors, for extending credit to the Bank's customers while ensuring that they effectively meet the overall goals of the bank. This position will report to the Bank's President and CEO. RESPONSIBILITIESEstablishing, maintaining and modeling a strong credit culture for the Bank Providing oversight for an effective loan approval process that supports the credit risk appetite of the Bank while also facilitating the Bank's desired growth objectivesServe as Chair of the weekly Directors Loan CommitteeDirecting all credit underwriting, documenting, funding and loan portfolio management activities of the Bank ensuring compliance with all applicable laws and regulationsDeveloping and maintaining standardized policies and procedures, approved by the Bank's Board of Directors, to assure the effective delivery of credit products for the Bank Maintaining the Bank's Internal Watch List to ensure that credit risk is timely and appropriately identified and documentedEnsure the adequacy of the Bank's Loan Loss Reserve Be a part of the Bank's team to insure the timely adoption of CECLManaging a portfolio of commercial loan customers to include originating and underwriting new credits existing and/or new customers to include renewals, modifications and annual reviewsServe as first review, in concert with the Bank's CEO, on all loans that are required to be submitted to the Bank's Board Loan Committee for approvalMentor and develop Banking Center CEO's, who will be direct reports to this position, and other commercial lenders, to include making appropriate loan structure and pricing recommendationsInteract with regulatory authorities on all issues related to the loan portfolio and the ALLLIdentify potential Banking Center CEO candidates, when vacancies occur, in concert with the Bank's CEO, to present to the Bank's Board of Directors for final approvalBe a part of the annual budgeting process in concert with the Bank's cashier and CEO Ensure that the Bank has a strong, independent third party loan review process in place that will provide an objective review of the risk in the Bank's loan portfolioTake the initiative to be out in front of changing economic conditions/dynamics and to adjust the Bank's underwriting process and appetite for risk accordingly Provide leadership and direction to Loan Administration Department to ensure satisfactory performance, adequate training and fair compensation in accordance with Bank policies. Assist as needed in hiring decisions. Conduct annual performance reviews with direct reports. Be visible and involved in local community and civic groups REQUIREMENTSB.S./B.A. in Finance, Accounting, Economics or a similar discipline. An MBA and/or degree from a graduate school of banking will be a plus. A minimum of twenty years of diverse commercial lending experience in a community or regional bank with increasing levels of management responsibilityFormal credit training coupled with a strong analytical skillsetFive or more years' experience as a chief credit officer/chief lending officer working in credit risk analytics and/or risk management with a financial institution(s) to include the development of credit policy, underwriting standards and the identification and mitigation of problem loan relationshipsFind satisfaction building and leading a competent team, providing them with the tools to be successful without your need to be looking over their shoulder

Keywords: Citizens Bank, Longview , Chief Credit Officer, Other , Kilgore, Texas

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