Chief Credit & Risk Officer

Highland; BLOOMINGTON, Northern (MN, KY); Hybrid; USD 150,000 - 250,000; Full time

Benefits offered by this job

Health Insurance

Vision Insurance

Life Insurance

AD&D Insurance

401(k) with employer match

PTO

Job summary

Highland Bank in Bloomington, MN seeks a Chief Credit Officer to lead credit administration, risk management, and policy development. You will oversee underwriting quality, portfolio performance, and risk assessment while aligning with regulatory requirements and strategic growth.

The role chairs the Credit Committee, interfaces with senior leadership and the Board, and guides credit professionals to sustain profitability and sound risk management.

Qualifications

• Proven leadership and management experience in a banking environment.
• Extensive knowledge of commercial lending, credit underwriting, loan structuring, portfolio management, and financial statement analysis.
• Strong understanding of credit risk management practices, including risk rating systems and portfolio monitoring.
• Demonstrated ability to balance growth, profitability, and risk management while maintaining a sound credit culture.
• Strong analytical, negotiation, decision-making, and problem-solving skills.
• Excellent verbal, written, and presentation abilities to communicate credit matters to executives, regulators, and staff.
• Thorough knowledge of banking operations, products, services, and regulatory requirements.
• Maintains expertise in legal and regulatory requirements related to commercial lending and risk management.

Responsibilities

• Review proposed changes to the bank’s loan policy and recommend changes to Senior Leadership and the Board.
• Ensure lending policies align with regulatory guidance and risk management objectives.
• Establish, monitor, and adjust lending authorities.
• Contribute to strategic planning, budgeting, and business objectives from a credit perspective.
• Provide reporting and recommendations to Senior Leadership, Credit Committee, and the Board on portfolio performance and risk trends.
• Oversee credit risk management practices, loan reviews, risk ratings, and mitigation of emerging risks.
• Lead and guide Commercial Bankers, Portfolio Managers, and Credit Analysts in underwriting and structuring commercial credits.
• Review and approve or decline commercial credit requests within delegated authority.

Skills

Leadership

Credit underwriting

Portfolio management

Risk management

Strategic planning

Communication

Regulatory knowledge

Decision making

Problem solving

Job description

Highland Bank in Bloomington, MN seeks a Chief Credit Officer to lead credit administration, risk management, and policy development. You will oversee underwriting quality, portfolio performance, and risk assessment while aligning with regulatory requirements and strategic growth.

The role chairs the Credit Committee, interfaces with senior leadership and the Board, and guides credit professionals to sustain profitability and sound risk management.