Are you a visionary leader with a passion for credit risk management? Do you thrive in dynamic environments where your strategic decisions make a real impact? Heritage Bank, an EOS Company, is on the lookout for an exceptional Chief Credit Officer (CCO) to join our team. This is your opportunity to lead the charge in managing our credit risk, shaping our credit policies, and driving our credit strategy towards future growth. If you are ready to make a significant difference and lead a high-performing team, we invite you to be a part of our journey!
Key Responsibilities:
Credit Risk Management:
- Develop and implement robust credit policies, procedures, and guidelines to ensure effective credit risk management.
- Oversee the credit approval process, ensuring compliance with bank standards and regulatory requirements.
- Monitor and manage the credit portfolio to maintain a balanced approach to risk and reward.
- Conduct regular credit reviews and stress tests to identify and mitigate potential risks.
- Oversee the workout, liquidation, and reporting of problem loans, ensuring prompt and effective resolution.
Leadership and Team Management:
- Lead, mentor, and inspire a team of credit professionals, fostering a culture of excellence and continuous improvement.
- Ensure the credit team is well-trained and equipped to perform at their best, delivering exceptional results.
Strategic Planning:
- Collaborate with the Executive Team to develop and implement strategic plans that align with the bank's goals and objectives.
- Provide valuable insights and recommendations on credit-related matters to the Executive Team.
- Embrace technology and streamline processes for greater efficiency, enhancing service delivery both internally and externally.
Regulatory Compliance:
- Ensure the bank's credit operations comply with all relevant laws, regulations, and industry standards.
- Liaise with regulatory bodies and auditors during examinations and audits.
- Participate in all required BSA training and demonstrate comprehensive knowledge of BSA in relation to job responsibilities.
Reporting and Analysis:
- Prepare regular reports on the credit portfolio's performance, highlighting key metrics and trends.
- Analyze market conditions and economic trends to assess their impact on the bank's credit portfolio, making data-driven decisions.
Bank Standards:
- Mission: Helping People Succeed Financially
- Ethics: We always do the right thing at work and in our personal lives.
- Solution: We bring solutions to challenges and are always looking for ways to be better.
- Ownership: We are accountable in our roles and accept responsibility for our mistakes.
- Positivity: We bring positive energy and enthusiasm to everything we do.
Why Join Us?
- Impact: As an employee-owner, you’ll have a direct impact on our company’s success and share in the rewards of our collective achievements, knowing that your contributions are helping to build something truly special.
- Competitive Compensation: Salary range of $110K to $160K, commensurate with experience.
- Comprehensive Benefits: Alongside competitive wages and performance incentives, we offer health, dental, and vision plans, as well as supplemental insurance options.
- Retirement Plan: Invest in your future with our 401k retirement plan and Employee Stock Ownership Program (ESOP), becoming a true partner in our success.
- Work-Life Balance: Enjoy the flexibility to balance your personal and professional life with paid time off, holiday pay, remote work, and flexible scheduling.
- Growth: Opportunities for professional development and career advancement.
- Culture: Join a team that values collaboration, innovation, and a positive work environment.
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