Chief Credit Officer

Job Description

• Oversee and provide active and effective management of all the Bank's Credit Administration functions to include Commercial Loan Analysis and Underwriting, Portfolio Management and Reporting, Loan Operations, and Loan Administration.
• Maintain the credit policies and procedures of the Bank to ensure consistent and sound lending practices across the organization.
• Ensure adherence to credit policies across the loan origination process.
• Effectively monitor and manage concentration risk in the Bank's loan portfolio while also identifying and assessing emerging credit risks within the portfolio.
• Implement strategies to mitigate credit risk through relevant credit guidance that aligns with current economic cycles, budgeted growth plans, and risk tolerance levels.
• Ensure that all credit-related activities comply with relevant banking laws and regulations and the Bank's loan policies and procedures.
• Assist in determining the adequacy of the allowance for credit loss.
• Prepare detailed loan portfolio management reporting and present to the Bank's Executive Management Committee and the Board of Directors
• Act as a liaison to regulatory examiners, external loan review, and external auditors.
• Participate in the development and implementation of the Bank's strategic objectives.
• Assists with other projects and duties in conjunction with the Chief Lending Officer and / or Chief Executive Officer
• Lead and motivate a team of direct report senior level management.
• Communicate effectively with all staff, management and the Bank's Board building effective relationships with key stakeholders.
• All other duties as assigned

Physical Requirements

FCBI is an equal opportunity employer.