Chief Credit Officer

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The Chief Credit Officer (CCO) is responsible for leading all credit decisioning and portfolio monitoring activities for all loan types, including but not limited to: Commercial & Industrial (C&I), Commercial Real Estate (CRE), Business Lending, Asset Based Lending (ABL), Equipment Lending & Leasing, Government Guaranteed Lending, and Small Business Administration (SBA) lending.This position requires a senior and highly experienced credit leadership executivewho can balance strategic vs tactical and risk vs. reward issues.The successful candidate will likely have prior loan workout and restructuring experience and be able to apply past lessons learned to ensure that loans are properly underwritten, all risks are identified and that the loan structure is designed to mitigate identified risks.Chairs the bank’s Management Credit Committee, manages and supervises credit and portfolio management staff, maintains favorable relationships with regulators and auditors, serves as a key member of the Bank’s executive leadership team and helps the bank achieve its strategic objectives in an efficient, timely, client focused and cost effective manner. QUALIFICATIONS Knowledge, Skills & Responsibilities: 1.As the Bank’s highest ranking credit officer must demonstrate 15+ years’ experience and advanced knowledge and understanding of C&I, CRE, ABL, SBA and Government Guaranteed Lending. 2.Recruit, train, develop, coach, manage and lead a credit admin, underwriter, analyst and portfolio monitoring team. 3.Coordinate all activities of SBA and Business Lenders to ensure that credit activities, tasks and deliverables are timely completed, and when client contact is required, coordinated with the lending, deposit, and other teams 4.Utilize analytical skills, perform underwriting and spreading analysis, to make critical credit underwriting recommendations and decisions and supervise others performing these functions. 5.Possess personal lending credit authority and serve as Chair and a voting member of the Management Credit Committee.Manage and monitor credit authorities and legal lending limits of the bank. 6.Demonstrate an advanced understanding of the technology tools, processes and metrics used within the loan cycle, including:Hubspot, Abrigo, LaserPro, FIS Horizon, H360 to assist in loan underwriting, spreading, credit memo preparation and approval, loan documentation, loan monitoring including covenant, reporting and loan credit rating evaluations. 7.Assist in evaluating loan profitability (ROA), loan terms, pricing, terms, covenants and conditions for commercial and business loan transactions and ensure desired margins and profitability are obtained. 8.Perform rigorous analysis of transactions and resolve problem accounts in partnership with other teams and specialists. 9.Ensure compliance in credit, lending and bank policies and procedures. 10.Anticipate and manage change in a quickly moving business environment. 11.Comply with all applicable federal and state laws and banking regulations. 12.Other job duties as may be assigned. SECONDARY DUTIES Represents management at Audit, Risk, and Executive Board of Director committee meetings. Other duties and special projects as assigned by the CEO. Serves as Chair of the Management Credit committee, a member of the Management Executive committee, member of Management ALCO committee.Attends Board of Director meetings and committee meetings. SUPERVISORY RESPONSIBILITY The position of Chief Credit Officer is initially responsible for the supervision of 4-8employees which may change in size based on the bank’s performance, growth and organizational structure, and carries out supervisory responsibilities in accordance with the Bank's policies and applicable laws, ensuring adherence to EEO guidelines. ENVIRONMENT AND PHYSICAL ACTIVITY The incumbent is in a non-confined office type setting in which he or she is free to move about at will.The position includes driving Bank personal or driving to Bank meetings approximately 15-50% of the time which includes exposure to the outside weather elements and moving mechanical parts.It may include some minor annoyances such as noise, odors, drafts, etc. The incumbent while performing this position spends time writing, typing, speaking, listening, lifting (up to 40 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching. The incumbent for this position may operate any or all of the following: telephone, smart phone, copy and fax machines, adding machine (calculator), check protector, scanner and image systems, scanning equipment, encoder, money counter, credit card terminal, typewriter, computer terminal, laptop computer, personal computer, tablet, printers, or other equipment as directed. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education & Experience: Bachelor’s degree from a college or university; or 15+ years of related commercial, business, C&I, SBA, deposit and treasury management business development experience, including experience in Maricopa County Arizona.Work related experience must consist of banking and management experience in the financial services industry. The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. ENVIRONMENT & PHYSICAL DEMANDS: ·Ability to lift a minimum of 20lbs. (e.g., file boxes). ·Must be able to sit, stand, bend and stoop. ·Sitting/Standing/Driving for 90% of the time. ·Requires ability to use keyboard up to 8 hours. ·Travel may be required. This job description as with any other role may be an in-office or work from home position and may be subject to our work from home policy. The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT : Integro Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law. About Integro Bank : Our Mission is to “Lift and Transform Lives.”We focus on helping small businesses maximize growth because “Employment lifts people up and transforms lives”. Our Core Values are: · Earn and be worthy of Trust : Trust is everything.Be authentic, honest, make personal connections and keep your promises. · Demonstrate an optimistic and positive attitude : Our intentions should be upbeat, positive and lift others up.Positivity breeds success. · Focus on client-centric solutions :We listen, understand and WOW our clients. · We deliver results : Own it, be accountable, committed and strive for positive outcomes in everything we do. Benefits: Comprehensive benefits package including: Health, dental and vision insurance, paid time off, company paid life insurance, short and long-term disability, 401k, and tuition savings program. Seniority level

Seniority level Executive Employment type

Employment type Full-time Job function

Job function Finance and Sales Industries Banking Referrals increase your chances of interviewing at Integro Bank by 2x Get notified about new Chief Credit Officer jobs in

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