This is a senior executive credit leadership opportunity at a well-established and growing commercial bank, serving as the most senior C&I credit authority and a voting member of the Credit Committee with meaningful approval power and direct influence over the institution's commercial credit strategy, risk framework, and culture. Identify distressed assets early and develop risk mitigation and workout strategies to minimize potential losses;oversee credit risk associated with complex or non-traditional exposures including counterparty and structured transactions.
Base Salary: $340k - $380k(flexible based on candidate)
ABOUT THE ROLE
This is a senior executive credit leadership opportunity at a well-established and growing commercial bank, serving as the most senior C&I credit authority and a voting member of the Credit Committee with meaningful approval power and direct influence over the institution's commercial credit strategy, risk framework, and culture. The role combines hands-on credit decision-making with enterprise-level governance responsibilities spanning deal approvals, risk rating oversight, portfolio stress testing, CECL review, problem loan management, and policy development. For high-performing individuals, this position offers exceptional visibility with senior leadership and the Board, along with a clear potential succession path to Deputy Chief Credit Officer over time. It's the right seat for a seasoned commercial credit executive who brings deep expertise across multiple credit cycles, strong independent judgment, and a collaborative leadership style capable of shaping credit culture across a complex organization.
RESPONSIBILITIES
Serve as a voting member of senior credit governance committees;exercise final credit approval authority within delegated limits on new originations, extensions, and modifications falling outside standard underwriting parameters
Approve and challenge C&I risk rating migrations between pass and classified/criticized designations;provide effective challenge on material credit decisions prior to committee presentations including policy compliance, exposure limits, and identified weaknesses
Review, approve, and monitor credit policy exceptions including trend analysis and remediation planning;partner with senior risk leadership to establish portfolio and counterparty limits aligned with the bank's risk appetite
Anticipate and assess regulatory developments, macroeconomic conditions, and industry trends to proactively adjust credit risk practices;remediate credit risk MRAs and internal audit findings
Oversee C&I portfolio performance by comparing actual versus expected outcomes and recommending policy, structural, or underwriting adjustments where misalignments arise
Identify individual, aggregate, and emerging risks including early warning indicators across transactions, industries, and portfolios;analyze macroeconomic drivers and forecast portfolio impact
Identify distressed assets early and develop risk mitigation and workout strategies to minimize potential losses;oversee credit risk associated with complex or non-traditional exposures including counterparty and structured transactions
Promote a strong credit culture emphasizing independent challenge, sound judgment, and policy adherence across the organization;ensure consistent interpretation and application of credit policy, risk ratings, and underwriting standards
Collaborate cross-functionally with Lending, Risk, Legal, Finance, Audit, and Compliance to implement changes related to credit risk management practices, regulatory requirements, and underwriting standards
Provide guidance and mentorship to senior credit professionals to reinforce sound judgment and consistent risk practices across the credit lifecycle
Present credit risk matters to senior management and board-level committees;participate in enterprise-wide risk initiatives and special credit matters as required