Deputy Chief Credit Officer

Job Category
:
Lending
- Credit Administration

Requisition Number
: DEPUT
001967

• Posted:
  July 1, 2026
• Full-Time

Showing 1 location

Corporate Office, Stamford, CT 06905, USA

At First County Bank,
You + We = Team

YOU - Bring your talent, hunger to learn and desire to grow.

WE - Will provide you with the training and experience you need to become a Trusted Advisor to your clients.

TEAM - As part of the FCB team, you will share in the satisfaction of working for a respected 170-year-old institution with deep community roots and a tradition of giving back.

First County Bank
- It’s where you belong!

We are looking for a Deputy Chief Credit Officer to join our Credit Administration team. This individual will be responsible for supporting the Chief Credit Officer in oversight of all credit administration activities for the Credit Administration Department. Duties include managing analysts, overseeing the bank’s commercial underwriting software, assigning and managing Credit Administration workflow, reviewing and editing analysts’ written work, and maintaining the bank’s third‑party commercial real estate reporting.

Work hours:

8:30am – 4:30pm, Monday through Friday.

• Review and edit analysts’ written work, including underwriting, portfolio management, and risk rating recommendations.
• Provide credit oversight for the construction portfolio and other portfolios such as small and medium‑size business underwriting, approval, and portfolio management.
• Maintain the bank’s third‑party commercial real estate reporting, including appraisals, appraisal reviews, and environmental reports.
• Collaborate with Business Banking loan officers regarding loan structuring and negotiation, as needed.
• Develop new products and services, including recommendations for underwriting policies and procedures.
• Maintain asset quality in a safe and sound manner, ensuring bank policies and procedures are compliant with regulatory and accounting guidance.
• Produce portfolio management reporting for executive management and the board of directors.
• Assist with production of the bank’s quarterly Allowance for Credit Losses and the related documentation.
• Supervise, train, and mentor Credit Administration analysts.
• Partner closely with customer‑facing Business Banking and sales personnel to anticipate and respond to credit needs of customers and prospects; visit or call customers and prospects to gather data and ascertain credit requirements.
• Review Credit Administration workflows and assign transactions to analysts based on portfolio responsibilities, analyst experience, and other factors.
• Ensure analysts spread financial statements appropriately, training them on proper financial statement spreading as needed.
• Review analysts’ written work and credit analysis to ensure adherence to the bank’s Lending Policy and regulatory guidance.
• Ensure borrower, collateral, and guarantor analysis are accurate and adequately mitigate risk.
• Ensure credit memos and other written work meet deadlines and are delivered to all necessary parties within required time frames.
• Ensure loans are structured to mitigate risks and gain internal credit approval.
• Identify and analyze risks, develop mitigating factors, and recommend risk ratings.
• Ensure pricing strategy meets the bank’s profitability hurdles.
• Utilize approval authority to approve facilities within the required delegation and ensure proper documentation.
• Proactively identify and recommend cross‑sales opportunities.

• Support the Chief Credit Officer by overseeing the daily operations of the team.
• Ensure efficiency and accuracy of all operations.
• Monitor workflow, loan pipeline, and individual task assignments.
• Schedule staff to ensure adequate coverage and cross‑train staff for smooth operations.
• Monitor operations to ensure compliance with bank, state, and federal regulations and guidelines.
• Recommend policy and procedure changes in response to external conditions.
• Ensure team adherence to the annual review schedule and adjust the calendar as needed.
• Prepare, maintain and update departmental procedure manuals in concurrence with the Chief Credit Officer.
• Ensure smooth operation…