Chief Credit Officer

Chief Credit Officer# Chief Credit Officer Orbisonia, PA 17243## Description
** Company Overview
** At Community State Bank, we are proud to be an independent, locally managed bank committed to enriching lives and elevating communities. Our vision is to be the preferred financial partner in every market we serve, and we live this out through our core values, F.A.I.R Friendly, Accountable, Innovative, and Respectful. We believe in empowering our employees to make meaningful contributions, both inside the workplace and out in the community.

** General Responsibilities
** The Chief Credit Officer (CCO) is a senior executive responsible for establishing and overseeing the organization’s credit risk strategy, policies, and practices. The CCO safeguards asset quality, ensures sound credit decision making, and balances growth objectives with prudent risk management. This role provides executive leadership across credit administration, underwriting, portfolio management, and regulatory compliance.
** Essential Duties
** Responsible for establishing and overseeing the organization’s credit risk strategy, policies, and practices of which the following are illustrative:

** Credit Strategy & Governance
*** Develop, implement, and maintain the organization’s overall credit risk strategy in alignment with business objectives and risk appetite.
* Establish and enforce credit policies, underwriting standards, risk rating methodologies, and approval authorities across all lending products.
* Provide executive leadership and independent credit oversight to ensure consistent application of credit standards.
* Serve as a primary advisor to the CEO, executive leadership team, and Board on credit risk matters, trends, and emerging risks.
** Underwriting & Portfolio Management
*** Oversee credit underwriting, approval, monitoring, and review processes throughout the credit lifecycle.
* Ensure portfolio diversification, appropriate concentration limits, and effective risk monitoring practices.
* Review portfolio performance metrics, industry and borrower trends, and credit migration.
* Direct proactive risk mitigation strategies to address emerging portfolio weaknesses.
** Problem Loan Management, Workouts & Exits
*** Develop and oversee enterprise wide strategies for the early identification, management, and resolution of problem loans and criticized assets.
* Establish standards for watch list management, risk rating changes, and timely transfer of deteriorating credits to work out or special assets processes when appropriate.
* Provide executive oversight of workout, restructuring, forbearance, and exit strategies to maximize recoveries while minimizing losses.
* Review and approve significant workout plans, restructurings, exits, charge offs, and loan sales within established authority levels.
* Monitor nonperforming and classified assets to ensure timely resolution, policy compliance, and alignment with regulatory guidance.
* Partner with Legal, Finance, and line of business leaders to execute disciplined and well documented problem loan resolutions.
** Risk Management, Allowance & Compliance
*** Ensure compliance with all applicable laws, regulations, and supervisory guidance related to credit risk.
* Provide oversight of credit risk modeling, stress testing, and scenario analysis.
* Provide oversight to the preparation of the current expected credit losses (CECL) methodology, assumptions, and governance in coordination with Finance and Risk.
* Engage with regulators and external auditors on credit related matters and examination findings.
** Leadership & Talent Development
*** Lead, mentor, and develop credit administration, underwriting, and credit risk teams.
* Promote a strong credit culture emphasizing accountability, sound judgment, and risk awareness.
* Build scalable processes and leadership depth to support organizational growth and continuity.
** Reporting & Board Communication
*** Prepare and present comprehensive credit risk and problem asset reports to executive management and the Board of Directors or Board committees.
* Communicate credit quality trends, portfolio risks, problem loan exposure, and resolution progress clearly…