Chief Credit Officer-Twin Cities or Western WI


Twin Cities or Western WI


$140-150k plus bonus

Company Description

Founded over 100 years ago, my client is a leader as a Community Bank in Wisconsin and Minnesota. Current Bank asset size exceeds $600mm and GROWING! 

  • Sixteen branches with 3 Banks merged into 1
  • Family-owned Bank that truly serves their communities and has an outstanding culture!!
  • State Chartered Commercial Bank
  • Strong financial numbers year after year and very low non-performing loans

Why You Should be Interested

  • They have a local hometown feel not like the big Banks
  • Part of the Senior Executive Management Team

Position Summary

This role is responsible for overall bank credit quality and risk management, including monitoring portfolio mix and margin, classified assets, past-dues and exceptions within the policies and procedures established by the Board of Directors and Bank management. The CCO will work collaboratively across the organization and specifically with the Senior Lenders, to support the credit and sales vision and team environment.

As a member of the Bank’s executive team, this role is responsible for helping develop and execute the overall Bank’s strategies, objectives and business plans. This would include building the bank’s position within the marketplace through community involvement, multi-product banking solutions, and building and maintaining enduring relationships with customers.

The CCO is responsible for providing leadership to the Bank on all issues regarding lending and asset quality.


Responsible for achievement of outcomes, activities, and behaviors as determined on an ongoing basis.


Meet or exceed team and/or individual performance goals as established at least annually, including the following Key Performance Indicators (which may include some or all of the metrics below):

  1. Financial performance measures – asset quality ratio metrics (charge-off ratio, past due ratio, adversely classified), profitability metrics (net interest income, return on assets, return on equity, efficiency ratio), growth metrics (loan growth, deposit growth, services per household), etc.
  2. Deadlines – board reporting, Credit Risk Management (CRM) meetings, special projects
  3. Continuous improvement – Loan Policy and other related policies, lender/credit analyst training, operational consolidation, etc.
  4. Examinations/Audits – rating, number of findings, remediation actions and deadlines
  5. Individual Goal Achievement


  1. Asset Quality (50%)
  • Manages all aspects of bank wide credit policy, credit administration and loan review. This includes recommending and executing appropriate credit committees, sub-committees, loan limits, exception process, etc.
  • Oversees and ensures sound credit decisions bank wide. This will be accomplished by reviewing commercial loan requests and approving loans within established lending requirement.
  • Writes and updates Bank loan policy.
  • Ensures protection of Bank’s interests by ensuring adequate documentation and adherence

to Bank policy and to laws/regulations applicable to department operations.

  • Monitors loan repayments, work-outs, collections and foreclosure activities.
  • If applicable, may serve as Senior Lender in one of the regions with lenders in the region reporting directly to the Commercial Relationship Executive and indirectly to the Chief Credit Officer.
  • Ensures proper measurement and reporting are in place to appropriately manage credit risk. Examples include: Allowance for Loan Losses (ALLL), loan stress testing, credit concentrations, exception reporting, credit score deterioration, trend analysis.
  1. Relationship Management (25%)
  • With the Commercial Relationship Executive, develops, implements and models a sales and service culture focused on new business development and growth of existing customer relationships.
  • Upon request, supports lenders on sales calls. As practical, will call on all new customers with $1 million or more in relationship.
  • Manages with the Commercial Relationship Executive the loan portfolio for appropriate mix, ensuring profitability without significant risk to the Bank.
  • Ensures maintenance of good customer relationships when service issues are encountered.
  1. Other Leadership Activities (15%)
  • Mentors the next generation of bankers: Lender/Credit Analyst recruitment, retention, career development, training.
  • Uses an ongoing performance management process that provides feedback, accountability, and documentation of performance outcomes to ensure that strategic, department, and individual goals are met.
    • Attends Bank-wide Committee meetings: Asset Liability, Credit Risk Management, IT Steering Committee.
    • Supports annual budget process with Chief Financial Officer. Ensure that lending budget links to strategic plans/goals. Monitor/report on actual/budget variances.
    • Proactively recommends productivity enhancements aligned with Bank values.
    • Assists with continued improvement of efficiency ratio.
    1. Exams & Audits (10%)
    • Serve as principal contact with the examiners and auditors on periodic exams and audits related to lending or credit risk
    • Corrects and addresses findings in a manner that limits recurrence and promotes adherence to policies and regulations

    BEHAVIORS (25%):

    1. Embodies Unity’s Mission, Vision, Values and Service Excellence Standards through personal

    demonstration and leadership within the organization.

    1. Maintains confidentiality of all corporate, customer, personnel, management matters and bank information.
    2. Leads by example; holds themselves accountable to performance goals; and completes all required training assigned, in a timely manner, and complies with all regulations and policies when performing the responsibilities of the position.
    3. Strategic Leadership – Serves as an Executive leader of the Bank; understands the overall Bank’s

    strategy and objectives; and helps formulate and execute bank-wide strategies.

    1. Organizational Leadership – Develops and maintains a capable, motivated, and resourceful staff; evaluates division performance on a regular basis; promotes ongoing development and encourages the growth of future leadership within the Bank.
    2. Organizational Communication – Maintains ongoing communication with the CEO, President and Board on credit risk management activities; regularly communicates and interacts with lending staff; serves as a point of contact with auditors and regulatory agencies.
    3. Consistently demonstrates desired competencies related to this position (stated below): See Qualifications



Competency Set:

  1. Leadership
  2. Business Knowledge & Acumen
  3. Problem Solving
  4. Innovation
  5. Teamwork
  6. Persuasive Communication
  7. Strategic Thinking
  8. Relationship Building

Experience Required/Preferred:

  1. Bachelor’s degree required or equivalent combination of education and experience
  2. 10 to 15 years of Banking industry experience
  3. Lending and/or credit administration experience

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