Chief Credit Officer

Peoples Bank and Trust•McPherson, KS

2d•Onsite

About The Position

The Chief Credit Officer provides strategic leadership and oversight to the Bank’s credit administration function. The Chief Credit Officer is responsible for maintaining the overall quality of the loan portfolio, ensuring compliance with regulatory expectations, strengthening credit risk management practices, overseeing the Bank’s Current Expected Credit Losses (CECL) and Allowance for Credit Losses (ACL) processes, and enhancing the effectiveness of underwriting, loan review, and portfolio monitoring across the organization. This position plays a critical role in addressing regulatory and examination recommendations, enhancing credit administration processes, supporting well-documented ACL governance, and strengthening the Bank’s construction and development lending program.

Requirements

Bachelor's degree in Business, Finance, or related field
High School Diploma or equivalent required
Full knowledge of loan services offered by Peoples Bank and Trust, understanding of all PBT policies and procedures related to loan services provided
Working knowledge of CECL, ACL governance, credit loss estimation, qualitative factor analysis, and related regulatory expectations
10+ years commercial banking experience
5+ years of senior credit administration or credit leadership experience
Significant experience with construction and development lending
Experience working directly with regulators, loan review, auditors, and executive management
Strong interpersonal and relationship-building skills
Ability to work closely with lenders, credit analysts, loan operations, executive management, and regulators
Provide independent credit oversight while maintaining a collaborative and solutions-oriented approach
Excellent verbal and written communication skills
Ability to mentor lenders and promote a culture of accountability, consistency, and sound credit judgment
Ability to speak effectively and communicate clearly
Ability to hear average conversations at a standard level in an office environment around other customers and bank personnel
The employee is regularly required to type throughout the day
The employee is regularly required to use their hands to type and maneuver a mouse
Specific vision abilities required by this job include close vision, color vision, peripheral vision, depth perception, and the ability to adjust focus with 20/20 vision (with or without the assistance of eyeglasses/contacts)
The employee may occasionally lift and/or move up to 25 pounds (unassisted), as well as stand or sit for long periods of time
Ability to deal with a variety of variables under only limited standardization
Strong numeric capabilities; ability to add, subtract, multiply, and divide in all units of measure using whole numbers and common fractions
Ability to read, analyze, and interpret documents
Ability to communicate clearly

Responsibilities

Direct and oversee all credit administration activities
Ensure consistent application of loan policy and underwriting standards
Lead response to regulatory examination findings and corrective actions
Enhance internal controls designed to prevent lending limit violations and approval exceptions
Serve as the Bank’s subject matter expert for construction and development lending
Develop procedures for construction inspections, draw controls, lien waivers, and project monitoring
Oversee loan grading, criticized assets, problem loan management, and concentration monitoring
Oversee the Bank’s CECL and ACL process in coordination with Accounting/Finance, including methodology governance, qualitative factor support, model inputs, documentation, and management reporting
Ensure CECL assumptions, segmentation, loss drivers, economic forecasts, specific reserves, and qualitative adjustments are reasonable, supportable, and aligned with portfolio risk
Present CECL and ACL results, trends, key assumptions, and recommended reserve levels to executive management, the Credit Committee, Audit Committee, or Board as appropriate
Update and maintain loan policies, approval authorities, and credit administration procedures
Mentor lenders, analysts, and credit administration staff
Various other duties as assigned