Job Description
At Unity Bank, our culture is built on trust, care, and connection. We believe in meaningful work, open collaboration, and authentic relationships. Here, every employee takes pride in their role, empowered to make a differencefor our clients, our communities, and each other.
Were more than a bankwere a community partner. When clients choose Unity, they invest in local dreams: planting seeds with farmers, opening doors on Main Street, and creating opportunities for neighbors.
We listen. We care. We connect. Every conversation matters, and every solution is crafted with heart. Together, we help people achieve their dreamsone relationship at a time.
Position Summary : The Chief Credit Officer (CCO) is responsible for overall bank credit quality and risk management, including monitoring portfolio mix and margin, classified assets, past-dues, and exceptions within the policies and procedures established by the Board of Directors and Bank management. The CCO will work collaboratively across the organization to support the credit and sales vision and team environment.
As a member of the Banks executive team, this role is responsible for helping develop and execute the overall Banks strategies, objectives, and business plans. This includes building the banks position within the marketplace through community involvement, multi-product banking solutions, and building and maintaining enduring relationships with customers.
The CCO is responsible for providing leadership to the Bank on all issues regarding lending and asset quality.
Responsibilities / Accountabilities :
- Asset Quality : Manage all aspects of bank-wide credit policy, credit administration, and loan review. This includes recommending and executing appropriate credit committees, sub-committees, loan limits, exception processes, etc. Oversee and ensure sound credit decisions bank-wide. This will be accomplished by reviewing commercial loan requests and approving loans within established lending requirements. Owner of loan repayments, work-outs, collections, and foreclosure activities.
- Documentation : Ensure protection of Banks interests by ensuring adequate documentation and adherence to Bank policy and applicable laws/regulations.
- Credit Risk Management : Ensure proper measurement and reporting are in place to appropriately manage credit risk. Examples include: Allowance for Loan Losses (ALLL), loan stress testing, credit concentrations, exception reporting, credit score deterioration, trend analysis.
- Relationship Management : In partnership with the Chief Commercial Relationship Manager, develop, implement, and model a sales and service culture focused on new business development and growth of existing customer relationships. Partner to also manage the loan portfolio for appropriate mix, ensuring profitability without significant risk to the Bank.
- Team Leadership : Coach, lead, motivate, and oversee the credit team, fostering a positive environment and ensuring a customer-centric, high standard of service delivery while achieving bank growth and credit quality goals.
- Committees : Actively participate in all Credit Committee meetings and serve as a voting member.
- Reporting and Audits : Serve as the principal contact with examiners and auditors on periodic exams and audits related to lending or credit risk.
- Compliance : Correct and address any findings in a manner that limits recurrence and promotes adherence to policies and regulations.
Education and Experience :
- Bachelors degree in finance, economics, or related field.
- Ten (10) to fifteen (15) years of progressive experience in credit risk management with at least three (3) years in a leadership role.
- Strong knowledge of financial markets, lending practices, credit analysis, and regulatory compliance in the financial industry.
Work Environment : Collaborative, trust-based, transparent, supportive, and comfortable community atmosphere. This position may include opportunities to travel across our footprint, working with customers, community members, and our Unity Team.
This position may require prolonged periods of sitting at a desk and working on a computer.
Regulatory Standards : Financial Institutions must adopt and comply with regulatory requirements. All employees of Unity Bank are required to participate in training sessions for these regulatory compliance requirements. This will be offered through online sessions, department meetings, bank-wide training, and other media. In addition, compliance training specific to job responsibilities will be conducted. Any employee that knowingly fails to comply with the requirements, as outlined in the Compliance Manual and related guidelines, may be subject to disciplinary action, up to and including termination of employment.
Benefits : 401(k), 401(k) matching, Dental insurance, Disability insurance, Employee assistance program, Health insurance, Health savings account, Flexible Spending Account, Life insurance, Paid time off, Vision insurance, Pet Wellness.
Discretionary Pay : Eligible Bonus Pay
Unity Bank is an Equal Opportunity Employer. This is a position for which :
- Experienced military candidates are encouraged to apply.
- Applicants of all ages, including older job seekers, are encouraged to apply.
- Candidates with disabilities are encouraged to apply.