Chief Credit Officer-Twin Cities or Western WI

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

OUTCOMES (40%):

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

ACTIVITIES (35%):

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.

2. 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.

3. 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.
  4. 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.

  2. Maintains confidentiality of all corporate, customer, personnel, management matters and bank information.
  3. 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.
  4. 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.

  5. 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.
  6. 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.
  7. Consistently demonstrates desired competencies related to this position (stated below): See Qualifications