Chief Credit Officer: Credit Risk & CECL Leader

Peoples Bank and Trust; McPherson (KS); On-site; USD 140,000 - 230,000; Full time

Job summary

Peoples Bank and Trust in McPherson, Kansas seeks a Chief Credit Officer to lead credit administration, ensure quality loan portfolios and CECL/ACL governance, and address regulatory recommendations.

This executive role oversees underwriting standards, loan review, risk monitoring, and construction lending programs while mentoring staff and enhancing internal controls across the bank. The position requires strategic leadership and strong collaboration with regulators and senior management.

Qualifications

• Bachelor’s degree in Business, Finance, or related field.
• High School Diploma or equivalent required.
• Full knowledge of loan services offered by Peoples Bank and Trust, understanding of all policies and procedures related to loan services, CECL, ACL governance, credit loss estimation, qualitative factor analysis, and related regulatory expectations.

Responsibilities

• Direct and oversee all credit administration activities
• Ensure consistent application of loan policy and underwriting standards
• Lead response to regulatory examination findings and corrective actions
• Enhance internal controls designed to prevent lending limit violations and approval exceptions
• Serve as the Bank’s subject matter expert for construction and development lending
• Develop procedures for construction inspections, draw controls, lien waivers, and project monitoring
• Oversee loan grading, criticized assets, problem loan management, and concentration monitoring
• Oversee the CECL and ACL process in coordination with Accounting/Finance, including governance, model inputs, documentation, and management reporting
• Ensure CECL assumptions, segmentation, loss drivers, economic forecasts, reserves, and qualitative adjustments align with portfolio risk
• Present CECL and ACL results, trends, assumptions, and reserve levels to executive management and board
• Update and maintain loan policies, approval authorities, and credit administration procedures
• Mentor lenders, analysts, and credit administration staff
• Various other duties as assigned

Skills

Interpersonal skills

Relationship-building

Verbal communication

Written communication

Mentoring

Education

Bachelor's degree in Business/Finance or related field

High School Diploma or equivalent

Job description

Peoples Bank and Trust in McPherson, Kansas seeks a Chief Credit Officer to lead credit administration, ensure quality loan portfolios and CECL/ACL governance, and address regulatory recommendations.

This executive role oversees underwriting standards, loan review, risk monitoring, and construction lending programs while mentoring staff and enhancing internal controls across the bank. The position requires strategic leadership and strong collaboration with regulators and senior management.