Chief Credit Officer

CAREER OPPORTUNITY:

- CHIEF CREDIT OFFICER

The National Commercial Bank of Anguilla Ltd. (NCBA), Anguilla’s leading indigenous financial institution and a systemically important bank within the Eastern Caribbean Currency Union, invites applications from exceptional banking professionals for the position of Chief Credit Officer (CCO). This is a pivotal executive appointment at a defining moment in the Bank’s evolution. NCBA is pursuing strategic, credit‑led growth, deeper portfolio diversification, and enhanced profitability, while simultaneously executing urgent regulatory remediation, strengthening governance, and reinforcing its risk management architecture.

The successful candidate will be expected to use credit not merely as a control function, but as a strategic engine for expansion, resilience, and national impact.

The Chief Credit Officer is a core member of the Executive Management Team and the Bank’s principal authority on credit strategy, underwriting governance, and portfolio risk. The role carries enterprise‑wide influence over loan book expansion, asset quality, and regulatory alignment.

The CCO will spearhead the modernization of NCBA’s credit function—driving growth, accelerating decision‑making, embedding disciplined underwriting, and ensuring that the Bank’s credit portfolio remains robust, compliant, and future‑ready.

The Chief Credit Officer is a core member of the Executive Management Team and the Bank’s principal authority on credit strategy, underwriting governance, and portfolio risk. The role carries enterprise‑wide influence over loan book expansion, asset quality, and regulatory alignment.

• Design and execute a forward‑looking credit strategy that supports NCBA’s growth, diversification, and profitability objectives.
• Drive responsible acceleration of loan originations across consumer, SME, corporate, and syndicated portfolios.
• Partner with business units to originate, structure, and approve bankable transactions that expand market share and deepen customer relationships.
• Translate macroeconomic and sectoral trends into proactive credit initiatives.

• Lead the Bank’s credit‑related regulatory remediation efforts, ensuring full alignment with ECCB prudential standards, IFRS 9, AML/CFT requirements, and internal risk frameworks.
• Strengthen the Three Lines of Defense, embedding accountability at origination while maintaining independent challenge.
• Ensure accurate risk ratings, provisioning adequacy, and timely, transparent reporting to Executive Management, the Board, and regulators.
• Provide decisive oversight of underwriting standards, approval authorities, and credit committee processes.
• Review and approve large, complex, and structured credit exposures.
• Optimize portfolio mix, sector exposure, and yield to maximize risk‑adjusted returns.
• Enhance process efficiency, approval velocity, and credit administration discipline.

• Lead strategies to reduce non‑performing loans, accelerate recoveries, and restructure distressed credits.
• Oversee management of problem loans, early‑warning indicators, and remediation plans.
• Ensure the non‑performing portfolio remains within prudential targets and supports capital recycling for new lending.

• Build and lead a high‑performing credit and recoveries team with strong technical judgment and a commercial and sales mindset.
• Promote a robust credit culture grounded in accountability, service excellence, and disciplined growth.
• Drive continuous improvement, talent development, and succession planning within the credit function.

• Bachelor’s degree in Finance, Banking, Management, Economics, or a related field; a postgraduate degree is highly advantageous.
• 10–15+ years of progressive senior leadership experience in credit risk, lending, and portfolio management within a commercial bank or regulated financial institution.
• Demonstrated success in scaling loan portfolios while maintaining strong asset quality and regulatory compliance.
• Proven ability to…