Deputy Chief Credit Officer

Deputy Chief Credit Officer

Requirements

• 15+ years of CRE and/or C&I industry experience (Healthcare/SNF preferred) and operated in a senior credit role.
• Candidate should be a seasoned, credit trained banker who has thrived in a credit intensive environment.
• Exhibit skills and experience at a highly advanced level of developing loan structuring options and managing large credit exposures and complex credit situations.
• Strong understanding of credit and covenant structures and documenting loans.
• Demonstrated desire to succeed and drive disciplined business growth in line with risk appetite.
• Maintain the effective license to operate by sustaining a high level of trust and confidence by senior management.
• Strong leadership and management skills with reputation as a team player and with a hands-on approach.
• Experience leading multiple teams with a willingness to invest in the coaching and development of team members.
• Excellent analytical, communication and interpersonal skills.
• Exhibits comprehensive written and verbal communication skills.
• Ability to think strategically and drive innovation and efficiencies.
• Deep understanding of regulatory credit frameworks and risk models.
• Ability to handle pressure and make independent, risk-based decisions.
• Foster a culture of sound credit judgement, risk awareness, and compliance.

Responsibilities

• Collaborate with business units to balance disciplined growth and credit risk appetite in lending activities, developing, implementing and monitoring credit policies, risk appetite frameworks, and lending guidelines for CRE and C&I.
• Oversee credit underwriting teams, ensure effective challenge, preparation of robust credit memorandums incorporating detailed risk analysis and accurate risk ratings aligned with credit risk strategy, policies and procedures.
• Lead/participate in credit committees and lending strategy discussions and ensure credit decisions are aligned with regulatory and internal policy requirements.
• Monitor credit exposures, portfolio quality and concentration risks, and analyze trends and early warning indicators to mitigate potential credit risks.
• Oversee the credit review process, ensuring timely and robust credit analysis and accurate risk ratings maintained in line with established credit policies and procedures.
• Contribute to portfolio and segment stress testing and robust risk reporting.
• Mentor and develop less experienced colleagues across credit, portfolio management and lending functions to help ensure alignment with credit risk appetite and regulatory and internal policy requirements.
• Support in talent assessment and performance reviews with the credit function.
• Lead cross-functional credit related projects as delegated by the CCO.
• Liaise with regulators and auditors on credit-related matters, ensuring ongoing compliance with regulatory frameworks.
• Establish and track key performance indicators (KPIs) to measure customer experience success, reporting regularly to executive leadership and stakeholders.
• Drive implementation of technology transformation and efficiency maximization across the credit function, aligning with technology and AI strategies.
• Lead executive-level discussions to promote and secure support for strategic initiatives.
• Stay up to date with industry’s best practices and emerging trends and applying this knowledge to inform strategic decisions and drive innovation.

Preferred Qualifications

• Strong organizational and workforce management skills.
• Ability to understand concepts and new ideas quickly.
• Ability to handle sensitive issues with confidence and professionalism.
• Ability to work with minimal direction and deal with time pressures and changing priorities.
• Excellent strategic leadership skills with the ability to influence and think outside the box.
• Excellent negotiation and communication skills.
• Ability to handle multiple tasks simultaneously in a fast-paced environment.
• Detail-oriented with a focus on accuracy and efficiency.