What are the responsibilities and job description for the Deputy Chief Credit Officer position at Endeavor Bank?
Location: Carlsbad, CADepartment: Credit Administration Reports To: Chief Credit Officer (CCO) FLSA: Exempt Position Summary:The Deputy Chief Credit Officer (DCCO) supports the Chief Credit Officer in overseeing the Bank’s credit administration, risk management, and portfolio quality for a ~$1 billion commercial bank. This role provides leadership in credit approval, portfolio management, regulatory compliance, and credit administration. The DCCO serves as a senior-level resource for lenders, underwriters, and executive management, ensuring safe, sound, and profitable credit activities consistent with the Bank’s risk appetite. Key Responsibilities:Credit Risk Management & OversightAssist the CCO in managing overall credit risk for the Bank, including commercial & industrial, commercial real estate, construction, SBA, and consumer portfolios. Perform independent credit reviews and participate in loan approval decisions within delegated authority. Support development and maintenance of the Bank’s credit risk rating system, loan production software, and internal approval processes. Review and monitor large, complex, or higher-risk relationships for credit quality, structure, and policy adherence. Oversee loan underwriting teams, including new production and portfolio management, including watchlist management and early-warning indicators. Credit Policy, Procedures & GovernanceAssist in maintaining, updating, and enforcing credit policies, underwriting standards, and risk tolerances. Ensure compliance with regulatory guidance (e.g., OCC/FDIC, Interagency Loan Policy, CRE Concentration Guidance, SBA SOP, etc.) and internal controls. Participate in loan committees and provide independent risk assessment and recommendations. Leadership & Staff DevelopmentProvide day-to-day supervision and guidance for credit underwriters, including those focused on production and those focused on portfolio management. Mentor team members to support skill development, consistency of underwriting, and strong credit culture. Assist with workforce planning, performance evaluations, and training initiatives. Portfolio Analysis & ReportingPrepare and deliver periodic reports to the CCO, executive management, and the Director’s Loan Committee, including: New and Paid Loan activity Portfolio composition and trends Problem loan analysis and remediation plans Concentration levels Regulatory exam/loan review responses Participate in the annual credit review cycle and internal/external audits. Loan Administration & OperationsSupport the accuracy and completeness of loan documentation, collateral administration, covenant tracking, and ongoing borrower monitoring. Ensure timely and accurate risk rating updates and problem loan reporting. Assist with oversight of special assets, loan workouts, and collections as needed. Qualifications:Education & ExperienceBachelor’s degree in finance, accounting, business, or related field required; MBA or graduate banking degree preferred. Minimum 10 years of progressive commercial credit experience, including underwriting, portfolio management, and credit administration. Prior leadership or supervisory experience within a commercial bank required. Knowledge & SkillsStrong understanding of commercial lending, credit analysis, financial statement interpretation, and cash-flow-based underwriting. Familiarity with regulatory standards, credit risk modeling, concentration management, and loan grading methodologies. Excellent judgment, analytical skills, and decision-making ability. Strong written/verbal communication skills and ability to present to senior management and the Board. Ability to manage multiple priorities in a fast-paced environment. Working knowledge of nCino loan program software CompetenciesStrategic thinking and risk-focused mindset Leadership and team development Problem solving and analytical rigor Regulatory awareness and compliance discipline Integrity, objectivity, and sound credit judgment Collaboration and communication across business units Working ConditionsStandard office environment with hybrid/remote flexibility depending on policy. Occasional travel to branches, customer sites, training, or regulatory meetings.
Salary : $165,000 - $210,000