CHIEF CREDIT OFFICER JOB DESCRIPTION

COMPANY SUMMARY

Since (Year), (Company) has grown from a small company of X associates to more than X, with over $X in
managed assets, serving X customers under the (Company) and (Company) market brands. At (Company),
tomorrow means rising to the challenges of a changing marketplace by promoting a high-performance culture that
will allow us to develop better solutions, programs, and services for both existing and new customers. Our
commitment to delivering extraordinary customer care creates the trust and loyalty that drives our business.

RESPONSIBILITIES

• Lead the quality and profitability of the loan portfolio.

• Establish and develop credit, collection, and fraud policies and objectives to manage risk within the company's
acceptable risk ranges for commercial, consumer and credit card lending.
• Develop risk management and scorecard analytics.
• Ensure compliance with state and federal regulatory guidelines.
• Act as the principal spokesperson for the lending function.
• Make decisions on both administrative and operational matters pertaining to lending.
• Manage the loan approval process.
• Supervise the collection of delinquent, nonperforming and charged-off loans.
• Work closely with legal counsel to expeditiously resolve litigation while minimizing legal and collection
expenses.
• Assist in the development of the bank and its strategic direction as part of the senior management team.
• Manage real estate other (REO) properties to disposition.

QUALIFICATIONS

(Company) is looking for individuals with a strong business sense and practical expertise. Successful candidates
must have:
• X years of experience in commercial, consumer and credit card risk management with financial institutions
• Strong knowledge in setting and implementing credit policies as well as loss control/collections
• Prior experience with an ILC or bank (preferred but not required)
• An undergraduate degree in finance, accounting or a related field
• An MBA (a plus)
• Knowledge of loan and/or banking software
• Strong knowledge of Excel/Word/PowerPoint
• Familiarity/capacity to learn database/query tools/techniques

1 Source: www.knowledgeleader.com