Chief Credit Officer

Employment Listings:
Chief Credit Officer

Department: Credit Administration

Salary: TBD

City/State: Houston, TX

Education: Undergraduate degree in finance or related areas;
Masters’ degree preferred

Type: Part time

Experience: 10 years

Relocation: N/A

Contact Name: Jill Anslum

Contact Email: janslumk

Date Posted: 06/18/2026

The Chief Credit Officer (CCO) is the Bank’s senior credit executive and is responsible for the overall administration, governance, and independent oversight of the Bank’s credit risk management function. The CCO ensures adherence to the Bank’s Loan Policy, documents and escalates approved exceptions, and promotes lending practices consistent with regulatory safety and soundness standards. The CCO oversees credit underwriting, approval, and provides credit guidance to lending staff.

The position includes responsibility for reviewing significant credit relationships prior to presentation to the Directors’ Loan Review Committee, maintaining the Watch List, and reporting regularly to executive management and the Board of Directors on asset quality, problem loans, concentrations, and overall credit risk exposure to protect the Bank’s financial condition. The CCO is responsible for oversight of the Allowance for Credit Losses (CECL), including methodology governance, analysis, and preparation, as well as portfolio stress testing.

The role also coordinates independent third-party loan review and CECL model validations and presents results, findings, and management responses to the Board of Directors and relevant committees. The CCO ensures compliance with all Bank lending policies and procedures and all applicable state and federal banking regulations, including Texas Department of Banking and Federal Reserve supervisory guidance.

• Serves as the Bank’s senior credit executive with oversight responsibility for credit risk management, ensuring lending practices align with Board-approved risk appetite, Loan Policy, and regulatory safety and soundness expectations.
• Oversees credit underwriting and credit approval, ensuring consistency, documentation quality, and adherence to policy and regulatory requirements.
• Establishes and administers the Bank’s loan approval authorities and credit approval limits, subject to oversight by the Directors’ Loan Review Committee, and ensures alignment with the Bank’s Loan Policy, regulatory expectations, and overall risk appetite.
• Reviews and approves significant credit exposures within authority delegated by the Directors’ Loan Review Committee; evaluates borrower financial condition, repayment capacity, and credit structure, and makes recommendations regarding credit extensions.
• Works directly with lenders to structure credit facilities appropriately and approves credit memoranda prior to presentation to the Directors’ Loan Review Committee.
• Monitors overall credit portfolio quality, including risk grading, concentrations, emerging risks, and industry exposures; identifies adverse trends and escalates concerns to senior management and the Board as appropriate.
• Has primary responsibility for the Bank’s Watch List credits and criticized/classified asset monitoring processes; ensures timely identification, risk rating accuracy, and reporting of problem loans. Approves workout plans.
• Provides regular written and oral reports to the Board of Directors and Directors’ Loan Review Committee regarding portfolio performance, credit quality trends, concentrations, classified assets, past‑due credits, and overall credit risk management activities.
• Has primary responsibility for the Bank’s Loan Policy and related credit standards; recommends revisions as needed and presents policy updates to the Directors’ Loan Review Committee and the Board of Directors for approval. Ensures consistent implementation across the organization.
• Manages the day‑to‑day operations of the Credit Department, including credit approval workflows, exception tracking, portfolio‑level concentration monitoring, and required industry and portfolio reviews.
• Supervises and develops credit analysts and credit administration staff; promotes a strong credit culture emphasizing…