Job Description
Citizens Bank Minnesota is looking for a high performing, experienced, motivated and community focused Chief Credit Officer who loves working with people and has great attention to detail. The selected candidate will provide oversight for the bank’s credit quality as well as being responsible for Delivering the Ultimate Experience by developing positive, meaningful relationships with new and existing clients and for building a positive culture that ensures team members can thrive and organizational goals are met. This is an outstanding opportunity to join a trusted financial institution. If you are an upbeat, positive candidate, this is a career worthy of consideration.
Chief Credit Officer Responsibilities:
- Oversee the Lending functions of the bank by providing directive to VPs, AVPs, Lending Officers, Senior Credit Analyst, Crop Insurance Manager.
- Underwrite, originate and service all types of loans.
- Develop and manage the Bank’s annual lending budget. Ensure that budget links to strategic plan/goals.
- Manage loan portfolio for appropriate mix, ensuring profitability without significant risk to the Bank.
- Manage all aspects of bank-wide credit policy, credit administration, and loan review.
- Monitor and communicate rates and terms.
- Develop, implement, communicate, and model a sales and service culture focused on new business development and growth of existing customer relationships.
- Review loan requests, approval within established lending authorities.
- Serve as conduit between lenders and Board of Directors.
- Oversee loan collection, problem credits, and administration of OREO assets.
- Oversee and monitor the loan risk rating system.
- Assist CFO with monitoring loan loss reserves.
- Receive and monitor any Bankruptcy notifications and actions required.
- Monitor and communicate prices on crops and livestock for balance sheet and cash flow purposes.
- Work with BSA Officer on SAR’s and actions on suspicious transactions.
Chief Credit Officer Expectations:
- Perform job accountabilities with a high level of accuracy and timeliness.
- Maintain knowledge and understanding of policies and procedures.
- Maintain knowledge and understanding of Internal Service Standards for this department.
- Provide open communication to supervisor and reports.
- Uphold the employment guidelines outlined in the Employee Handbook and Supplements.
- Develop and maintain knowledge of compliance and internal control requirements necessary to complete the job.
Education & Experience
- College Degree in Business Administration and/or Finance or equivalent experience.
- Specialized credit training.
- 7-10 years banking background.
- 5-7 years Credit Administration/Loan Review.
About
Citizens Bank Minnesota is a community-owned and operated bank, with its main office located in New Ulm and branch offices in Lafayette, La Salle, Lakeville, Watkins and Ormsby, Minnesota. Chartered in 1876, Citizens is one of the oldest banks in Minnesota with over 146 years of strength and stability. We take pride in the fact that not only are we a community bank, as demonstrated by our energetic participation and support in the growth and success of the communities that we serve, but also that we are community-owned, with our stock widely held by residents of this area. Community ownership requires us to be sensitive to the needs of our customers and provide our services at reasonable costs. It also allows us flexibility to meet your unique financial needs.
Our team members pride themselves on their core values of Excellence, Integrity, Culture, Loyalty, and Innovation. Whether it is through our WooHoo! Banking products and services, community involvement, or dedication to knowing our customers and “Delivering the Ultimate Experience” every day, the team members at Citizens are proud to be a part of the history and future of the communities they serve.
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