Chief Credit Officer

Description

Manage credit department functions including oversight of the underwriting, loan review, utilization of credit software and stress testing. Along with the Chief Lending Officer (CLO), develop and employ the framework to evaluate the financial condition of individuals and businesses applying for credit with the Bank. Responsible to develop, implement and monitor policies and procedures relating to all aspects of the credit function and ensure compliance with all banking laws and regulations. Special emphasis should be on credit risk management including concentrations of credit. Oversight is required for the collections, problem loan, overdraft and OREO areas. 

ESSENTIAL FUNCTIONS

Reasonable accommodation may be made to enable individuals with disabilities to perform these essential functions. 

1. Provide an assessment of the quality of the loan portfolio, independent of the lending function. Assist with the identification of strengths and weaknesses at the loan, industry, or lender level including oversight of concentration levels.
2. Supervise Credit Team including Chief Underwriting Officer, Collections Officer, and Credit Administrative Assistant. Responsible to ensure all analysts are trained in all aspects of financial analysis, loan review, and SBA/FSA requirements.  Review and evaluate the performance of direct reports. 
3. Assist with external loan reviews, audits, and examinations.
4. Manage projects as needed involving the Credit Department function
5. Comply with all BSA requirements and complete appropriate documentation. 
6. Maintain a good working knowledge of the Bank's lending policies and procedures.  Work with the CLO for loan policy updates or changes. 
7. Have a working knowledge of our credit analysis process, spreadsheets, reports, summaries, and opinions for lending officers on new, renewal, and existing loans. 
8. Ensure monitoring is kept up to date for processes such as financial statement and tax return tracking, Quarterly Stock Pledge Valuation, Borrowing Base Compliance, RTO Contract Review, Compliance with Loan Covenants, Supervisory LTV limit report, etc.
9. Provide technical advice and guidance to the institutions’ Lending Officers to enhance credit underwriting standards. Work with Loan Operations personnel as needed to coordinate activities. 
10. Assist with the preparation of the lending and credit reports for the Board of Directors meeting and present information as needed.
11. Stay abreast of regulations and legislation, as well as other political and policy-making events that directly affect the credit or loan areas of the Bank.
12. Resolve customer complaints in a tactful, effective manner by taking ownership of the problem.
13. Carry out other duties as may be assigned or directed.

At FNB our goal is to be a diverse workforce that is representative of the communities that we serve. All aspects of employment including the decision to hire, promote, discipline or discharge, will be based on merit, qualifications, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law. We are a VEVRAA federal contractor.

Requirements

1. A bachelor of Science degree in accounting, finance or business administration, or a related field is preferred. 
2. Minimum of five years of similar financial institution experience.
3. Strong analytical skills to understand financial data and risk data and to prepare reports according to internal policy and governmental regulations and standards.
4. Strong organizational skills to effectively prioritize and complete multiple projects on scheduled timelines
5. Extensive knowledge of financial institution credit policies and procedures.
6. Excellent writing, oral and presentation skills.
7. Strong communication skills and the ability to lead people and maintain good working relationships with internal and external contacts.
8. Ability to maintain the confidentiality of company, employee, and customer information.