Chief Credit Officer (CCO)

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 Bank’s executive team, this role is responsible for helping develop and execute the overall Bank’s strategies, objectives and business plans. This would include building the bank’s 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 process, etc. Oversee and ensure sound credit decisions bank wide. This will be accomplished by reviewing commercial loan requests and approving loans within established lending requirement. Owner of loan repayments, work-outs, collections and foreclosure activities.

Documentation :

Ensure protection of Bank’s interests by ensuring adequate documentation and adherence to Bank policy and to laws / regulations applicable to department operations.

Credit Risk Management :

Ensure proper measurement and reporting are in place to appropriate 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 to develop, implement and model a sales and service culture focused on new business development and growth of existing customer relationships. Will 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 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 principal contact with the 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.

Unity Bank is an Equal Opportunity Employer

Education & Experience

• 1. Bachelor's 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.

About Us

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 difference—for our clients, our communities, and each other.

We’re more than a bank—we’re 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 dreams—one relationship at a time.

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