Chief Credit Officer

Climate First Bank

15h • Remote

About The Position

We are seeking a Chief Credit Officer to be responsible for overseeing the credit risk management and lending operations of the bank. You'll ensure that the bank's credit policies and procedures are effectively implemented to maintain a high-quality loan portfolio while supporting the bank's growth objectives. This role involves strategic planning, leadership, and collaboration with other senior executives to achieve the bank's financial goals.

Requirements

• Bachelor’s degree in Business, Finance or related field.
• 10+ years of experience in Credit Operations and Commercial Lending. Preferably at a community bank.
• 5+ years of experience leading diverse teams including staff and middle management.
• Ability to direct, grow and develop teams and individuals.
• Entrepreneurial Self-Starter Mentality - You take charge of your work product and take pride in delivering consistently great and measurable results. You can think and act strategically, with an exceptional ability to solve problems, analyze and forecast needs while also mitigating existing and potential risks. Exceptional project management skills is no feat to you and you hold the ability to effectively drive short-and long-term projects to a close. A high-pace and high-expectation environment excites you – you possess superior time-management and prioritization skills that allow you to keep up with our growing environment.
• Master Communicator - Whether it’s in-person, on camera, phone, or chat — you communicate with confidence, precision, and professionalism. You listen deeply and respond thoughtfully - you're able to engage efficiently and tactfully with stakeholders at all levels of the organization. Additionally, you masterfully build relationships with all stakeholders, customers, and employees of all levels allowing you to develop business with strong influencing and decision-making skills.
• Banking & Fintech Acumen- You are highly educated and understand credit risk management principles, banking regulations, and industry best practices. You also possess strong overall business acumen and the ability to interpret financial reports and legal documents. You have excellent proficiency in financial analysis and credit evaluation. Strong knowledge of unique industries and markets in conjunction with a broad knowledge of business banking products and services is required.
• Tech-Forward and Analytical Thinking - You possess sound proficiency in banking software and technology. You’re able to learn new tools quickly, are excited by innovation and hold the ability to teach other team members.
• Commitment to Being a Team Player - You lift others up, share ideas, and bring positive energy to everything you do. You know what it takes to operate as a part of a larger team and cherish opportunities to contribute to the big picture.

Nice To Haves

• Preferably at a community bank.

Responsibilities

• Develop and implement comprehensive credit risk management strategies.
• Minimize potential losses and ensure compliance with regulatory requirements.
• Oversee the bank's loan portfolio ensuring proper diversification and risk mitigation.
• Create, review, and update credit policies and procedures.
• Lead the credit approval process.
• Manage/mentor the credit team, fostering a culture of excellence, accountability, and continuous improvement.
• Collaborate with all stakeholders to support the bank's mission and objectives.
• Contribute to the bank's strategic planning process.
• Ensure adherence to all relevant banking regulations and guidelines.
• Provide regular reports and analysis to executives and board of directors on the performance and risk profile of the loan portfolio.
• Embody a commitment to environmental, social, economic, and racial justice.
• Apply curiosity and interest in our core values and pursue education related to sustainability practices.
• Pursue and demonstrate an understanding of established Bank policies, procedures, and regulations.
• Recognize the importance of protecting the organization and our customers.
• Stay informed on legal context and regulatory requirements; prioritize completing all web-based compliance and IT training.

Benefits

• Annual bonus, incentives and equity
• 100% employer-paid health coverage for employees
• Employer contribution for dependents
• Medical, Dental & Vision Insurance
• Health Savings Account (HSA)
• Free Telemedicine access via Teladoc
• 401(k) with 6% Employer Match — No Vesting Period.
• Employee Stock Options
• Exclusive Employee Banking Perks
• 0% Financing for Employee Solar Loans
• Employee Only Mortgage Product with exclusive interest rates and terms.
• 0% Financing for Eligible Electric Vehicles (EVs)
• Referral Incentives
• 2–4 Weeks of Vacation based on officer level plus additional tenure-based time.
• 64 Hours of Paid Sick Time for all full-time employees.
• Company-Paid Life Insurance
• Short- & Long-Term Disability Insurance
• Voluntary Life, Accident & Critical Illness Coverage
• Employee Assistance Program (EAP) with free counseling, legal, and financial services.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior