Chief Credit Officer

Chief Credit Officer Community Bank

We're seeking an experienced and strategic Chief Credit Officer (CCO) to lead the credit risk function for a growing, well-capitalized community bank. This senior executive will oversee the bank's credit policy, underwriting standards, loan portfolio quality, and credit administration teams, playing a key role in guiding growth while maintaining sound risk management practices. This position requires relocation to a beautiful coastal city along the Gulf of Mexico in Texas. The bank will help with relocation expenses.

Key Responsibilities:

• Set and enforce credit policy, risk appetite, and portfolio strategies in alignment with the bank's strategic objectives
• Oversee all aspects of credit underwriting, loan approval processes, and portfolio monitoring across commercial, CRE, C&I, and consumer segments
• Lead and mentor a team of credit professionals and credit analysts
• Chair or participate in senior credit committees and ensure timely, risk-aligned decision-making
• Monitor asset quality, identify emerging credit risks, and implement proactive portfolio management
• Ensure compliance with all regulatory requirements and support internal/external audits and examinations
• Partner with senior leadership on strategic initiatives including loan growth, M&A, or new product development

Qualifications:

• 15+ years of progressive credit and lending experience, including leadership roles within commercial banking
• Proven ability to manage diverse loan portfolios and credit teams
• Deep understanding of regulatory compliance, risk ratings, and credit policy
• Strong communication, analytical, and decision-making skills
• Bachelor's degree in finance or related field required; MBA or graduate banking education preferred

Why Join Us?:

• Stable, growth-oriented bank with a strong balance sheet and supportive leadership
• Competitive compensation and executive benefits
• Opportunity to shape the credit culture and have a meaningful impact on the institution's long-term success