The Chief Credit Officer exercises overall management of the Bank’s loan portfolio, loan approvals, loan concentrations, and risk management. Provides support and direction to lending staff and oversees loan policies and procedures to ensure the overall quality of the bank’s lending portfolio. Supervises collection of problem loans and strategies to minimize charge offs. Recommends and assigns credit approval authorities in conformity with Board approved policies and maintains ongoing control over the credit risk rating system. The Chief Credit Officer is the primary driver of the credit culture and ensures a high quality, low risk loan portfolio that reflects the risk appetite as outlined by the Board. Takes a key role in the development of new credit products. Works closely with the loan production groups to ensure that credit decisions are made promptly, and credit policy is clearly communicated to facilitate good customer service.
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