North Dakota Bankers
Extraordinary Leadership for North Dakota Banks

Chief Credit Officer

Position Overview

Responsible for review of First Western Bank & Trust’s loan portfolio on a continuing basis: to assure appropriate documentation and underwriting; to monitor the bank’s credit quality within compliance safety and soundness standards; and monitor the asset portfolio for diversification.

Job Functions

 •Oversee the loan review, collections, processing and credit analysis functions including adherence to policies and practices of the bank and applicable regulatory and governmental agencies

 •Implement a system of credit analysis and quality assurance for loans as directed by the Board; assign appropriate risk ratings as needed in conjunction with loan loss reserve analysis

 •Examine files periodically for assurance of credit and collateral documentation, regulatory compliance and loan policy conformance; review technical exceptions and deficiencies; provide reports of continued outstanding exceptions to the Board of Directors

 •Prepare written analyses on all concentrations of credit, aggregate lending relationships vs. indebtedness for individual borrowers, complex loans and weak loans

 •Identify problem loans, make recommendations of loans reviewed quarterly with the board

Qualifications

 • Bachelor’s degree in business administration, accounting, finance or related field

 • Minimum 8-10 years’ experience in bank lending, loan review and/or compliance experience or equivalent education in bank lending, loan review/compliance procedures and policies

Skills/Abilities

 • Demonstrated interpersonal, written, and oral communication skills

 • Strong analytical skills with ability to identify and assess risks

 • High degree of attention to detail

 • Ability to lead and manage personnel

 • Knowledge of Microsoft Office Suite and other banking programs; Web Equity, Synergy, Jack Henry Silverlake and Xperience

Please apply online at https://www.firstwestern.bank/careers/

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