Chief Credit Officer
Company: American Bank Montana
Location: Bozeman
Posted on: February 25, 2021
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Job Description:
ABOUT THE ROLE:Under supervision of the President and the Board
of Directors in conformance with established policies and
procedures, the Chief Credit Officer will be responsible for loan
administration, analysis, and review activities to ensure effective
adherence to loan policies, procedures, and regulatory guidance.
This person provides direct supervision, direction, and mentorship
for the Bank's lending staff to develop and grow revenues and
ameliorate losses.--The CCO serves as a key member of the Bank's
Senior Management team charged with achieving the mission of the
Bank and executing its strategic plan to achieve prudent long-term
profitability and asset quality.DUTIES AND RESPONSIBILITIES:--
Maintain a strong credit culture by managing the Bank's loan
portfolio to guide disciplined growth through oversight, direction,
and monitoring of the Bank's credit risk by ensuring proper
analysis and review of the portfolio and implementation of
regulatory guidance.-- Develop, maintain, and monitor credit
policies, procedures and concentrations that are consistent with
overall company policies, strategies, and regulatory
requirements.-- Maintain an adequate loan risk management system to
monitor and report credit quality trends to Senior Management and
the Board of Directors.-- Provide oversight and direction of all
loan presentations and reporting, ensuring that proper analysis is
performed and documented consistent with policies and loan risk
ratings are accurate.-- Responsible for ongoing monitoring, review,
and implementation of regulatory guidance related to credit
administration and lending.-- Coordinate regulatory exam process
and follow up related to compliance, credit administration, and
asset quality issues.-- Assist with ALLL calculation, analysis, and
documentation with appropriate Senior Management including CFO.--
Prepare regular presentations for the Board of Directors.--
Oversight over appraisal process to ensure bank policies and
procedures are followed in accordance with regulatory
requirements.-- Manage loan administration in coordination with the
Loan Center to ensure proper documentation prior to funding,
renewal, etc., consistent with approvals.-- Manage the external
loan review process to ensure policy goals are being met and
findings are addressed properly and timely.-- Advise lenders,
staff, and Board on structuring of complex or sizable loans or loan
commitments.--Provide loan pricing guidance and oversight to
maintain and enhance the yield on the loan portfolio at or above
budgeted levels.-- Manage and oversee staff and activities for Loan
Origination and Administration including lenders, credit analysts,
credit administrators and business bankers by providing
communication regarding performance, including periodic
reviews.--Ensure the competency and the accountability of the
lending staff and set expectations for training and development of
personnel in order to provide continued career advancement and
development.-- Identify problem loans, prepare reports for
management and the Board, and direct workout efforts to assure
quick and best course of action for all problem loans.-- Oversee
all aspects of OREO portfolio management including risk assessment,
pre-foreclosure prevention, foreclosure procedures, monitoring and
maintenance, to marketing and disposition of properties. -- Perform
other duties as assigned.-- Must comply with all company policies
and procedures and all applicable laws and regulations. Must
complete the assigned online training courses and achieve a passing
score by due date.QUALIFICATIONS:Education and Experience:--
Minimum 10 years commercial lending, credit analysis, loan policy,
and administration experience with an emphasis on commercial real
estate lending and monitoring.--Previous experience in a
Chief--Credit Officer or Senior Loan Officer role desirable.--
Minimum of 15 years banking experience with a minimum of 5 years in
a leadership role preferred, including lending and credit risk
management administration, collections and workout and supervisory
experience.-- Bachelor's degree in business, finance, or related
field, or equivalent knowledge gained through a combination of
education and experience.--Graduate education preferred.-- Legal
experience and training in contracts, liens, and collections
necessary.KNOWLEDGE, SKILL, ABILITY:-- Ability to review and
interpret laws and regulations.-- Accounting and financial analysis
experience preferred.-- Demonstrated ability to work with complex,
varied, standardized, and non-standardized tasks requiring
application of numerous laws, rules, regulations, and procedures.--
Ability to communicate effectively, both orally and in writing.--
Ability to work independently.-- Must be detail-oriented and
possess a high degree of organizational skills.-- Ability to
operate a variety of office equipment such as a computer, copier,
calculator, and other equipment necessary to perform duties.WORK
ENVIRONMENT:--Must be able to routinely perform work indoors in
climate-controlled shared work area with moderate noise
level.PHYSICAL DEMANDS: 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.
Keywords: American Bank Montana, Bozeman , Chief Credit Officer, Accounting, Auditing , Bozeman, Montana
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