EVP, Chief Credit Officer
Reports to: President/CEO
Location: Los Angeles, CA
Job Code: JPG411

Chief Credit Officer is responsible for developing and implementing strategies, policies and procedures for all lending activities. Oversees and ensures overall quality of loan portfolio, approves loans and recovers assets. Performs direct supervisory duties of department managers.

POSITION RESPONSIBILITIES
• Recommend and maintain loan review and loan approval procedures.
• Recommend and maintain a program for the prompt reporting of status of all loan portfolios to the Directors’ Loan Committee.
• Recommend and maintain and implement proper standards for loan related documentation and operational procedures.
• Recommend and maintain a program for indoctrination and training of loan officers and support staff with respect to the loan policy and procedures of the Bank.
• Supervise and direct all loan officers in their lending activities, including credit analysis, documentation, and administration of the established loan portfolio.
• Recommend and maintain a program for the prompt reporting and expeditious collection of problem loans through the intervention of legal counsel and/or collection agencies, if needed.
• Review all examination reports of independent auditors, governmental authorities and regulatory agencies as they pertain to the Bank’s loan portfolio and prepare Management’s responses.
• Administer specific functions required by the Loan Policy including ensuring the proper implementation and performance of the Appraisal, Hazardous Substance, and Insider Lending policies.
• Review and approve or decline loans within approval lending authority.
• Oversee Credit Administration Department, Credit Risk Management Department, Special Asset Department, and Loan Operations Department.
• Comply fully with all Bank policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Anti Money Laundering, Code of Conduct, and etc.). Must complete all required training

SKILLS / QUALIFICATIONS
• Core Competencies for this role include, but are not limited to the following:
o Exhibit a high level of ethical behavior and sound independent judgment
o Ability to make decisions and initiate actions in a timely manner
o Leading and supervising a diverse group of bank/technology professionals
o Working with people
o Adhering to principles and values
o Analyzing data and trends
o Formulating strategies and concepts
• Excellent organizational and time management skills with the ability to provide leadership, supervision and training for employees using positive supervisory techniques to ensure maximum productivity; demonstrated ability in organization and delegation skills.
• Proficient skills in computer terminal and personal computer operation; word processing and spreadsheet software programs. Strong knowledge of mainframe and cloud-based computer systems and technology in general.
• Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, read, analyze and interpret documents and professional journals, understand procedures, write reports, correspondence and procedures, speak clearly to customers and employees.
• Thorough understanding of management procedures; ability to plan department or Bank activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Bank activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate).
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Ability to work with no supervision while performing duties.
• Current driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.
• In-depth knowledge of credit policy and compliance management
• Ability to deliver effective and persuasive presentation to Directors Loan Committee and Board of Directors
• Excellent interpersonal skills, analytical and problem-solving skills
• In-depth knowledge of SBA lending, C&I Lending, commercial real estate

EDUCATION / EXPERIENCE
• Bachelor’s degree in Business, Finance, Economics or related field
• Minimum of 10 years experience in a Lending and 5 years in supervisory experience
• Experience commercial lending, real estate lending, commercial credit operations and collection management

Estimated salary range: $275K to $300K+ (DOE) plus annual bonus and stock (possible signing bonus), medical, dental, vision, life, 401K, vacation

Email your resume in MS/Word format to Guyot@Bankers-Search.com

Or contact Keith Guyot at (310) 823-1400