Chief Credit Officer

Job Title: SVP, Chief Credit Officer

Location: Green County, WI

Department: Credit

Status: Full-Time, Exempt

Job Summary:

The SVP, Chief Credit Officer oversees all credit administration functions, including underwriting, portfolio quality, and credit risk management. This role manages and develops staff, ensures regulatory and policy compliance, and maintains strong credit standards across the organization. The position is also responsible for updating the Loan Policy, preparing credit-related reports, supporting Call Report preparation, and ensuring effective use of credit systems and tools. Additional duties may be assigned by executive leadership.

Key Responsibilities:

• Lead all credit administration activities, including underwriting, policy management, and regulatory compliance.
• Develop and maintain credit policies, procedures, and training.
• Review and update the Loan Policy annually, track policy exceptions, and report findings to leadership.
• Analyze creditworthiness and support lenders in structuring and negotiating credit terms.
• Monitor loan portfolio quality, risk ratings, documentation, and collateral requirements.
• Oversee covenant tracking, government-guaranteed loan requirements, and annual credit reviews.
• Prepare ALLL reports and provide information for evaluating potential loan losses.
• Participate in ALCO and assist with interest rate and loan pricing strategies.
• Prepare reports for committees and executive management.
• Support collections, legal actions, OREO management, and charge-off tracking.
• Serve as a back-up for completing the loan portion of the Call Report.
• Participate in strategic planning, budgeting, and management team initiatives.
• Maintain industry awareness, support CRA efforts, and recommend credit administration improvements.
• Promote regulatory compliance, strong internal controls, and high ethical standards.
• Assist in cross-training, staff development, and sales of bank products when appropriate.

Required Skills & Abilities:

• Strong knowledge of credit administration, underwriting, regulations, and loan policy.
• Excellent analytical, problem-solving, and decision-making skills.
• Ability to prepare clear reports and present information to leadership and committees.
• Proficiency with spreadsheets, credit systems, and general banking software.
• Strong communication, leadership, and staff development abilities.

Education & Experience:

• Bachelor’s degree in a relevant field; 10 years of credit or banking experience, or a combination of experience and graduate-level banking education.

Physical & Travel Requirements:

• Primarily seated work with occasional movement and light lifting (up to 25 lbs).
• Occasional travel to other locations as needed.

Additional Information:

This job description outlines essential responsibilities but is not exhaustive. Duties may change at any time. The organization provides equal employment opportunities to all employees and applicants.