VP Chief Credit Officer Ameriprise Bank

Ameriprise•Charlotte, NC

9d•Hybrid

About The Position

As VP Chief Credit Officer, you will provide strategic leadership for credit risk management and lending governance across Ameriprise Bank. You will shape credit policy, underwriting standards, portfolio oversight, and regulatory engagement while partnering with senior leaders to drive sustainable growth. This role offers significant visibility and influence with executive leadership and the Board of Directors.

Requirements

10+ years of banking or financial services experience, including senior leadership experience in credit risk, lending, or controls functions
Demonstrated expertise in credit risk management, underwriting, portfolio management, and lending products, particularly secured real estate lending
Bachelor's degree in Business, Finance, Economics, Accounting, or a related field
Applicants must have a valid work authorization that does not now, or in the future, require visa sponsorship for employment in the United States (e.g., H-1B, F-1 CPT, F-1 OPT, TN).

Nice To Haves

MBA, CPA, or other advanced degree preferred
Strong analytical, credit structuring, and financial assessment skills, including knowledge of Generally Accepted Accounting Principles (GAAP) preferred
Excellent communication, presentation, influencing, and relationship-building capabilities
Ability to collaborate effectively across organizational levels and lead through complex business challenges

Responsibilities

Lead bank credit strategy, policy development, and underwriting governance for consumer, real estate, secured, and unsecured lending products.
Chair the Credit Risk Committee and provide leadership across risk and governance committees.
Review and approve complex credit transactions and oversee credit approval processes.
Monitor portfolio performance, concentration risk, loan quality, and loss mitigation activities.
Present credit risk insights and recommendations to executive leadership, regulators, and the Board of Directors.
Partner with compliance teams to ensure adherence to regulatory requirements and company policies.
Leverage portfolio analytics and business intelligence to strengthen risk performance and decision making.
Manage budgets, resources, and continuous improvement initiatives within areas of responsibility.