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Chief Credit Officer (CCO)

Wheatland Bank
life insurance, paid time off, 401(k)
United States, Washington, Spokane
222 North Wall Street (Show on map)
Nov 20, 2024
About The Role

The Chief Credit Officer provides professional leadership in establishing overall objectives, policies and procedures in the area of credit administration and loan operations consistent with Glacier Bancorp guidance. Represents the division as an executive leader on all necessary committees and meetings at the Glacier Bancorp, Inc holding company level. Provides leadership and management to Commercial Loan Department personnel, including Credit Administration. The role involves guiding activities in accordance with the Bank's goals, objectives, and overall strategy as it relates to its market and the overall credit. Directs financial policies and practices of the bank to ensure financial objectives, overall credit goals, and institutional growth are met in accordance with policies of the Bank President/CEO, Board of Directors, and government regulations. Responsible for creating and maintaining the credit culture of the division including enforcing Glacier Bancorp loan policies, approving new loans, recommending loan structure, monitoring credit concentration limits, and managing past due loans. This position also coordinates external loan audits, internal and external loan review programs, annual review by credit department personnel, and collateral documentation review systems, and monitors the company's risk grading system. PRINCIPAL RESPONSIBLITES AND DUTIES:
  • Participates as a member of the Executive team in the development and execution of the Divisions long-range strategic goals.
  • Leads and coordinates division management Loan Committee meetings
  • Maintain positive on-going relationships with existing customer base.
  • Serves on the weekly Glacier Executive Loan Committee.
  • Serves as ex-officio member of the Division Board of Directors and Loan Committees
  • Represents the Wheatland Bank division as the Chief Credit Officer and member of the executive management team on all necessary committees and meetings at the Glacier Bancorp, Inc. holding company level and is the voting member for WB on those committees.
  • Represents Wheatland on all necessary committees and meetings at the Glacier Bancorp, Inc. holding company level and is a voting member for the Wheatland Bank on those committees.
  • Leads and coordinates division Loan Committee meetings
  • Creates a collaborative environment with Commercial Lending staff to achieve strategic objectives.
  • Collaborate with the Division President/CEO as a member of the Executive team in reviewing processes and procedures, advising on policy questions, staffing requirements, and performance appraisals.
  • Oversees the management of loan portfolio for completeness, soundness and adherence to loan policy and standards.
  • Provides timely constructive feedback to employees to ensure compliance with division policies and to assist them in achieving their full potential.
  • Provides training, assistance and mentorship to Loan Officers, Underwriters and Analysts.
  • Provides oversite to loan operations, including loan servicing.
  • Effectively document and address work/behavior/performance issues; consult with HR regarding formal disciplinary and/or termination procedures prior to acting.
  • Effectively handle and resolve conflict and work with difficult employees and/or situations.
  • Effectively and positively lead team through change while demonstrating positive attitude and behaviors.
  • Manage direct reports to maximize productivity, efficiency, and the potential of the human assets of the company, including: hiring, directing job assignments, monitoring staff performance, coaching, counseling, training, assuring compliance with regulatory requirements and organizational mission, values, policies and work rules. Appraise performance and provide recommendations for staff compensation, promotion, and termination, as appropriate.
  • Leads the implementation of new processes, procedures and software in the area of credit administration and loan operations.
  • Ensures audit reviews receive satisfactory ratings. Initiates necessary corrective actions when audit standards are not being met.
  • Recommends and implements changes in Commercial Loan Policy with GBCI.
  • Oversee credit administration at the market level, which includes monitoring credit quality, past due credits, non-performing loans, and clearing outstanding loan conditions.
  • Keeps management informed of key operating issues affecting the Loan Department and loan portfolios.
  • Assists in the annual review and development of the loan policy. Maintains a strong credit culture within the commercial and retail lending operations. Provides guidance to loan officers and credit analysis staff on the company's overall lending policy.
  • Assembles information and reports pursuant to regulatory exams and outside audits.
  • Maintain positive on-going relationships with existing customer base.
  • Support department, division, and company initiatives.

ADDITIONAL RESPONSIBILITIES:

  • Adhere to Wheatland Bank Core Values
  • Keep management informed of area activities and any significant problems
  • Provide exceptional customer service to all customers, both internal and external.
  • Represent Wheatland Bank in a Professional fashion to include; professional image, confidentiality, regular and consistent attendance, punctual.

POSITION CONTACT:

  • Day-to-day contact with Loan Officers, Loan Processor Supervisor, and executive management.
  • Frequent contact with administrative and branch staff.
  • Regular contact with GBCI administrative employees.
  • Regular contact with the Board of Directors.

About You

QUALIFICATIONS:

  • Bachelors degree in finance, accounting, or other related field is required.
  • Minimum of ten years of Credit related experience in the community banking industry is required.

KNOWLEDGE, SKILL, ABILITY:

  • Proven lending experience
  • Proven supervisory experience
  • Thorough knowledge of overall bank lending function and compliance issues
  • Excellent MS Word and Excel skills
  • Computer competency
  • Accurate, punctual, alert, dependable, and professional in appearance
  • Detail-oriented and organized
  • Able to multi-task and prioritize
  • Able to relate to others and relay information in a clear, precise manner

WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.


What We Offer

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, Paid Time Off (PTO) and holidays. Visit our website for more details!

COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website. Check it out!

We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.

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