Chief Credit Officer - To $175K - Sidney, OH - Job # 2957

$175,000 - $175,000/Yr

The Symicor Group - Sidney, OH

Full-time - Senior

Onsite - Sidney, OH

About the position

The Chief Credit Officer will lead the credit department operations for a bank in Sidney, OH, ensuring the quality of the bank's lending portfolio. This role involves overseeing credit analysis, managing loan growth, and participating in key leadership committees. The position offers a competitive salary and a comprehensive benefits package.

Responsibilities

• Lead the credit team and support loan products, policies, and procedures to ensure the quality of the Bank's lending portfolio.
• Ensure high-quality credit analysis on individual loans and conduct portfolio stress testing.
• Calculate monthly allocations to the Loan Loss Reserve (ALLL/CECL).
• Serve as a key member of the bank's leadership team and participate in various committees, including the Officer's Loan Committee and Pricing Committee.
• Assist in meeting annual loan growth goals assigned by senior management and the Board of Directors.
• Coordinate external loan audits, including regulatory examinations.
• Review large and complex loans prior to submission to the Officer's Loan Committee, making recommendations on loan structure, terms, and pricing.
• Organize and distribute credit information covering loan quality trends, growth indicators, and loan product concentrations.
• Manage stress testing of the loan portfolio using the Bank's primary loan origination system software.
• Ensure individual loans are risk-rated correctly for Officer's Loan Committee approval.
• Supervise the Bank's special assets area in curing weak credits and collection efforts.
• Prepare reports on the status of the Bank's special assets for the Board of Directors.
• Present loan information to the Board of Directors, including ALLL/CECL calculations and graded loan reports.
• Maintain relationships with the SBA and support requests with guaranteed loan programs.

Requirements

• Bachelor's degree (BA) or equivalent from a 4-year college or university.
• Ten or more years of related work experience in financial/credit analysis and lending.
• Heavy experience with C&I lending is required.
• Loan workout and SBA experience preferred.
• Completion of formal bank management executive school or financial industry-related degree program preferred.
• Ability to create and analyze credit presentations, business correspondence, loan policies, and loan procedures.
• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.

Nice-to-haves

• Loan workout experience
• SBA experience
• Completion of formal bank management executive school

Benefits

• Competitive salary up to $175K
• Full benefits package