Chief Credit Officer, Mission-Driven Community Finance

City First Enterprises; Washington (District of Columbia); On-site; USD 160,000 - 200,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Retirement plan

Paid time off

Commuter benefits

Professional development

Job summary

City First Enterprises (CFE) seeks an experienced Chief Credit Officer to lead credit risk management, underwriting, portfolio oversight, and governance. Reporting to the CEO, the CCO owns credit policies, approval processes, risk-rating discipline, and reporting on loan portfolio status to leadership and the board.

The ideal candidate balances prudent risk management with borrower-centered community development lending, bringing deep experience in commercial lending and affordable housing/CRE

Qualifications

• At least 10 years of progressive credit and lending experience, with 5+ years in a senior role with policy responsibility.
• Experience leading credit policy, underwriting standards, and governance in mission-driven institutions.
• Strong analytical and communication skills for executive and board materials.

Responsibilities

• Lead credit policy, underwriting standards, approval thresholds, and governance for CFE's loan portfolio.
• Oversee underwriting quality across affordable housing, CRE, small business, nonprofit, and clean energy lending.
• Drive AI-enabled underwriting improvements with governance and bias controls.
• Provide guidance to lenders and portfolio managers on complex credits and workouts.
• Ensure regulatory and funder compliance in credit decision-making.

Skills

Credit risk management

Underwriting

Policy discipline

Analytical rigor

Leadership

Credit governance

Collaborative leadership

AI in underwriting

Education

Bachelor's degree in finance or related field

Advanced degree preferred

Tools

Cash-flow analysis

Job description

City First Enterprises (CFE) seeks an experienced Chief Credit Officer to lead credit risk management, underwriting, portfolio oversight, and governance. Reporting to the CEO, the CCO owns credit policies, approval processes, risk-rating discipline, and reporting on loan portfolio status to leadership and the board.

The ideal candidate balances prudent risk management with borrower-centered community development lending, bringing deep experience in commercial lending and affordable housing/CRE