Chief Credit Officer, CCO- Bozeman

  • First Security Bank
  • Bozeman, MT, USA
  • Dec 28, 2020
Full time Banking Executive Finance General Business

Job Description

Under general supervision of the Bank President / CEO and in conformance with established Bank policies and procedures, the Chief Credit Officer will be responsible for loan administration, analysis, and review activities to ensure effective adherence to loan policies, procedures, and regulatory guidance. The CCO will affect adequate documentation to ensure the security of collateral, and ensure that ongoing administration and review is adequate to maintain the loan portfolio's quality and profitability at acceptable levels. Additionally, this person will coordinate the Allowance for Loan and Lease Losses (ALLL) calculation, analysis, and documentation process, manage Loan Administration, Credit Analysis, Credit Risk Management, Loan Review, Appraisals, Workout and Collections for all portfolios.

DUTIES AND RESPONSIBILITIES:

-        Provide prompt and courteous service to all internal and external customers, supporting the goals and mission of the Bank.

-        Acknowledge all customers (internal and external) within 15 seconds after entering the branch or department.

-        Greet external customers by making eye contact, saying hello, introducing yourself, and asking how you can be of assistance.

-        Anticipate and take action to fulfill customer needs while maintaining an attitude that elicits positive feedback. Offer suggestions before requested.

-        After handling customer transactions, consistently thank customers for their business.

-        Develop, maintain, and monitor credit policies, procedures, and concentrations that are consistent with overall company policies, strategies, and regulatory requirements.

-        Maintain an adequate loan risk management identification system and monitor and report credit quality trends to Executive Management and the Board of Directors.

-        Provide oversight and direction of all loan presentations and reporting performed by Credit Administration, ensuring that proper analysis is performed and documented consistent with policies, and loan risk ratings are accurate.

-        Responsible for ongoing monitoring, review, and implementing regulatory guidance related to credit administration and lending.

-        Coordinate regulatory exam process and follow-up related to credit administration and asset quality issues.

-        Coordinate ALLL calculation, analysis, and documentation with appropriate senior management.

-        Prepare presentation for the Board of Directors.

-        Manage the appraisal process to ensure bank policies and procedures are followed in accordance with regulatory requirements.

-        Manage loan administration to ensure proper documentation prior to funding, renewal, etc., consistent with approvals.

-        Manage the loan review function to ensure it is meeting its policy goals and findings are addressed properly and timely.

-        Lead the preparation and distribution of material for the Management, Branch, and Board Credit Committee meetings.

-        Direct and document follow-up actions arising from the credit committee meetings.

-        Advise lenders, staff, and Board on the structuring of complex or sizable loans or loan commitments.

-        Manage and oversee staff and activities for Loan Review, Loan Administration, Loan Operations, Collection and Workout, and credit analysts.

-        Identify problem loans, prepare reports for management and the Board, and direct workout efforts to assure quick and best course of action for all problem loans.

-        Become familiar with and periodically review the Bank’s robbery recovery procedures and security and safety procedures.

-        Perform other duties as assigned.

-        Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by the due date.
 

QUALIFICATIONS:

Education and Experience:

  •  Minimum 10 years lending, retail and commercial credit analysis, loan policy, and administration experience. Previous experience in a Chief  Credit Officer role is desirable.
  •  Minimum of 10 years of banking experience preferred, including lending and credit risk management administration, collections and workout, and supervisory experience.

  • Bachelor’s degree in business, finance, or related field, or equivalent knowledge gained through a combination of education and experience

  • Some legal training in contracts, liens, and collections necessary.

 
KNOWLEDGE, SKILL, ABILITY:

  • Ability to review and interpret laws and regulations.
  • Accounting and financial analysis experience preferred.

  • Demonstrated ability to work with complex, varied, standardized, and non-standardized tasks requiring the application of numerous laws, rules, regulations, and procedures.

  • Ability to communicate effectively, both orally and in writing.

  • Ability to work independently.

  • Must be detail-oriented and possess a high degree of organizational skills.

  • Ability to operate a variety of office equipment such as a computer, copier, calculator, fax machine, and other equipment necessary to perform duties
     

PHYSICAL DEMANDS: 
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to:  The employee is occasionally required to stand; walk and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on the computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off-site whenever required or requested by management. Must be capable of regular, reliable, and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Must be capable of up to 15% travel (e.g. 3.5 days/month) by automobile (as driver and passenger), commercial airlines, rental vehicles, and public transportation and be able to lodge in public facilities. Travel will be necessary to conduct the duties of this job, and the employee must have the ability to drive and have proper licensing.

Specific lifting abilities required by this job include: The employee is constantly required to stand and walk. Exerting up to 25 pounds of force occasionally, and/or up-to 10 pounds of force frequently, and/or a negligible amount of force constantly to move objects. If the use of arm and/or leg controls requires exertion of forces greater than that for sedentary work and the worker sits most of the time, the job is rated for light work.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.


COMPENSATION & BENEFITS: 
Salary is dependent upon relevant experience. We offer an extensive benefits package that includes, but is not limited to, flexible health coverage options: medical/dental/vision (partially employer paid with competitive premiums), health rewards program, possible employer contribution to a Health Savings Account, Employee Assistance Program (EAP); life insurance; 401K retirement plan with immediate vesting (up to 3% employer match, 3% automatic employer contribution, and profit-sharing); discounted banking products and services; paid vacation/sick days, and paid holidays.
 

COMPANY OVERVIEW: 
At Glacier Bancorp, our employees are our most valuable asset. We seek qualified individuals who enjoy people, are innovative, and eager to learn. We are dedicated to providing opportunities for personal advancement and professional growth by investing in the tools and training needed to build a personalized career path for you.

Glacier Bancorp, Inc. is a regional bank holding company headquartered in Kalispell, Montana with assets greater than $12 billion, operating in numerous community bank divisions across 8 states (Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and Nevada). We pursue a community banking philosophy, emphasizing personalized service combined with the full resources of a large banking organization. Over the years, Glacier Bancorp has received numerous awards for stability and soundness and has repeatedly ranked among the top 10% in the nation for financial strength.


We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, age, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.
Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.