Deputy Chief Credit Officer

Overview

Location : Carlsbad, CA

Department : Credit Administration

Reports To : Chief Credit Officer (CCO)

FLSA : Exempt

Position Summary :

The Deputy Chief Credit Officer (DCCO) supports the Chief Credit Officer in overseeing the Bank’s credit administration, risk management, and portfolio quality for a ~$1 billion commercial bank. This role provides leadership in credit approval, portfolio management, regulatory compliance, and credit administration. The DCCO serves as a senior-level resource for lenders, underwriters, and executive management, ensuring safe, sound, and profitable credit activities consistent with the Bank’s risk appetite.

Responsibilities

Credit Risk Management & Oversight

• Assist the CCO in managing overall credit risk for the Bank, including commercial & industrial, commercial real estate, construction, SBA, and consumer portfolios.
• Perform independent credit reviews and participate in loan approval decisions within delegated authority.
• Support development and maintenance of the Bank’s credit risk rating system, loan production software, and internal approval processes.
• Review and monitor large, complex, or higher-risk relationships for credit quality, structure, and policy adherence.
• Oversee loan underwriting teams, including new production and portfolio management, including watchlist management and early-warning indicators.

Credit Policy, Procedures & Governance

Leadership & Staff Development

Portfolio Analysis & Reporting

Prepare and deliver periodic reports to the CCO, executive management, and the Director’s Loan Committee, including :

Participate in the annual credit review cycle and internal / external audits.

Loan Administration & Operations

Qualifications

Education & Experience

Knowledge & Skills

Competencies

Working Conditions

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