Chief Credit Officer

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🔥 2 minutes ago

🌾 North Dakota – Remote

🌾 North Dakota – Remote

⏰ Full Time

🔴 Lead

👻 Ghost score 12%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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American Federal Bank

WebsiteLinkedInAll Job Openings

51 - 200 employees

🏦 Banking

🌾 Agriculture

💸 Finance

Banking • Agriculture • Finance

American Federal Bank is an FDIC-insured regional bank that provides personal, business, and agricultural banking services. It offers business checking, merchant services, cash management, business credit cards, loans, leasing and lines of credit, ag loans and ag partner checking, crop insurance, mortgages and home loans, personal checking and savings, investments, and mobile/online banking. The bank emphasizes local banker access, fraud prevention resources, and community-facing services such as CRA reporting and accessibility commitments.

📋 Description

• Establish and lead the Bank's overall credit risk management framework • Develop and execute strategies balancing portfolio growth, profitability, and risk management • Serve as primary executive responsible for loan portfolio quality and performance • Monitor credit concentrations, industry trends, economic conditions, emerging risks, and portfolio trends • Manage action plans to minimize charge-offs, credit losses, and non-performing assets • Ensure consistent application of risk ratings, underwriting standards, and credit administration practices • Report portfolio performance and recommendations to executive management and Board of Directors • Develop, maintain, and administer credit policies and procedures • Monitor regulatory changes and ensure compliance with applicable banking regulations • Oversee the Loan Review Program and independent credit quality assessments • Liaise with regulatory agencies and external auditors for credit-related examinations • Lead underwriting, approval, monitoring, renewal, and collection processes • Oversee annual reviews, risk ratings, covenant compliance, and problem loan management • Manage criticized and classified assets • Direct development of credit analysis tools, portfolio reporting systems, and credit technologies • Lead and develop the Credit Department; recruit, mentor, and retain credit professionals • Foster a strong risk management culture and conduct succession planning • Promote collaboration across lending, sales, operations, finance, compliance, and executive teams • Serve as subject matter expert for commercial, agricultural, consumer, and specialty lending • Develop and implement credit training programs • Coach lenders and bankers on underwriting, structuring, and portfolio management • Support complex credit opportunities and participate in significant customer meetings and business development • Present credit portfolio performance, risk trends, and policy recommendations to the Board and committees • Prepare annual credit risk assessments and strategic credit initiatives

🎯 Requirements

• Bachelor’s degree in business, finance, accounting, or a related field required • Seven plus years of increasingly responsible experience focusing on commercial, agricultural, and consumer credit • Minimum five years direct line lending experience is preferred • Strong background in credit administration, portfolio management, loan review and regulatory compliance • Excellent presentation, customer relations, interpersonal, communication, organizational, delegation, and team building skills • Proven ability to influence executive leadership, regulators, and Board members • Personal computer skills; Word, Excel and Lotus Notes experience • Positive, proactive attitude, leadership skills and a commitment to American Federal values