Chief Credit Officer (CCO)

The Company is seeking a Chief Credit Officer to lead the commercial and SBA loan credit process from application through booking. Responsibilities include overseeing credit administration, ensuring timely and policy-compliant loan reviews, approving loans within delegated authority, and presenting larger requests to the Loan Committee or directors. The role manages underwriting quality, portfolio risk, concentrations, past-due accounts, watch-list reviews, and loan review processes. The Chief Credit Officer also maintains credit policies and procedures, coordinates regulatory and audit matters, leads committee meetings, and supervises, coaches, and evaluates credit administration staff. Candidates must hold a bachelor’s degree in business, accounting, finance, or a related field, and have at least 15 years of commercial lending experience, including SBA lending, five years of commercial underwriting experience, and formal bank credit training. Expert knowledge of commercial credit analysis—including financial statements, ratios, cash flow, tax returns, and collateral valuation—is required, along with strong familiarity with SBA programs, lending policies, and procedures. The role calls for excellent written and verbal communication, strong analytical and problem-solving abilities, proficiency with Microsoft Word and Excel, and the ability to interpret legal documents, regulations, and financial reports. Candidates should also be able to work independently and provide effective staff supervision, coaching, and performance management.