EVP, Chief Credit Officer

Department: Lending
Location: Remote
Reports To: President

Salary:  $254,600-$367,800
Summary Job Description:
Reporting to the President, the EVP, Chief Credit Officer provides strategic leadership over the Bank’s lending and credit functions, ensuring a high-quality loan portfolio that supports sustainable growth. This role shapes and expands credit strategy, strengthens risk management, and partners with executive leadership and the Board to drive sound lending decision
The EVP, Chief Credit Officer, leads and develops a high-performing team while establishing strong credit policies, underwriting standards, and portfolio oversight aligned with regulatory expectations. This role shapes credit policy, partners with executive leadership on product development, risk management and capital deployment, serving as a key advisor on credit risk and portfolio health. This role proactively addresses problem credits and represents the Bank with regulators and external stakeholders. In addition, this executive will be charged with modernizing the Bank’s lending platform and credit infrastructure, bringing a technology‑enabled approach to lending automation, loan origination, platform decisioning, pass‑through products, and securitization capabilities.
 This position requires deep lending expertise, strong leadership, and the ability to balance growth with disciplined risk management, combined with the vision to leverage modern lending technologies to enhance scalability, efficiency, and portfolio performance across the Bank. The successful candidate will be an innovative, tech‑forward credit leader who has successfully deployed contemporary lending solutions and automation to transform credit organizations and deliver superior risk‑adjusted returns.”
Duties and Responsibilities:
Strategic Leadership
  • Define and execute PCBB's enterprise credit strategy in alignment with the Bank's business strategy.
  • Serve as primary credit advisor to Executive Management and the Board, providing regular reporting on portfolio quality, credit risk trends, and strategic opportunities.
  • Lead and support new product development initiatives within lending, identifying market opportunities and driving innovation to enhance the Bank's offerings and competitiveness; partner with executive peers on capital allocation and business strategy.
  • Represent the Bank externally by maintaining strong relationships with customer banks, including periodic travel to strengthen partnerships, understand client needs, and support business development efforts.
Credit Policy & Risk Governance
  • Establish, own, and continuously enhance credit policies, underwriting standards, and procedures across all loan types.
  • Oversee credit operations including documentation standards, file management, collateral oversight, and regulatory compliance.
  • Direct credit administration and underwriting quality control functions.
Lending Technology, Innovation & Modernization
  • Provide executive leadership for the modernization of PCBB’s lending operations, championing technology‑enabled credit processes, automation, and data‑driven insights that improve efficiency, consistency, and client experience.
  • Drive the vision, evaluation, and adoption of lending platforms and tools—including loan origination systems, digital credit workflows, and automated decisioning engines—to support scalable growth while maintaining strong credit discipline.
  • Partner closely with Technology, Operations, and Finance to design end‑to‑end lending journeys that reduce cycle times, improve transparency for customer banks, and enhance management reporting and portfolio analytics.
  • Lead the development of technology‑supported credit decisioning frameworks, including automated underwriting criteria, risk scoring, and exception governance, ensuring alignment with regulatory expectations and fair lending requirements.
  • Expand and refine lending pass‑through products and secondary market capabilities, including correspondent, participation, and securitization‑ready structures, with attention to data integrity, operational readiness, and investor expectations.
  • Maintain strong awareness of emerging lending technologies and fintech partnerships, bringing market insight and practical recommendations that enhance PCBB’s competitive positioning with community and correspondent bank clients.
Portfolio & Problem Credit Management
  • Provide executive oversight of PCBB's loan portfolio across commercial, real estate, construction, and participation lending (bought and sold).
  • Proactively identify and manage problem credits; ensure collection efforts are maximized to protect the Bank's interests.
  • Direct resolution strategies for distressed assets, including defaults, bankruptcies, and charge-offs, in coordination with legal counsel.
Regulatory Engagement
  • Lead regulatory examinations and supervisory interactions as the Bank's senior credit officer.
  • Ensure full compliance with applicable laws, regulations, and supervisory guidance including CECL and fair lending requirements.
Team Leadership
  • Lead and develop a high-performing team of credit professionals.
  • Oversee performance management, talent development, compensation recommendations, hiring, and succession planning.
Supervisory/Management Responsibilities
  • Provide direct leadership and oversight of loan officers and credit staff, including coaching, performance management, and talent development; oversee performance evaluations and make recommendations on compensation, hiring, and disciplinary actions.
Skills Required:
  • Demonstrated leadership experience with the ability to manage, develop, and motivate high-performing teams.
  • Deep expertise in credit risk management, underwriting, and portfolio oversight within complex lending environments.
  • Strong strategic thinking and sound decision-making skills.
  •  Executive presence with exceptional communication skills and experience engaging with senior leadership, Boards of Directors, regulators, and external stakeholders.
  • Strong understanding of regulatory frameworks and the ability to ensure compliance while driving operational effectiveness.
  • Ability to travel as needed for senior leadership meetings, industry conferences, and client engagements.
  • Secondary market buy/sell experience  
  • Proven track record leading lending platform and process modernization initiatives, including deployment of loan origination systems, automated decisioning tools, or other technologically enabled credit solutions.
  • Excellent understanding of current‑day lending technologies and automation, including platform loan decisioning, digital loan origination, lending pass‑through products, and portfolio analytics.
  • Demonstrated ability to translate strategic credit objectives into practical technology roadmaps, partnering effectively with CIO/CTO, Operations, and business leaders.”
  • Experience using data and automation to improve credit quality, reduce turnaround times, and strengthen management visibility into portfolio performance and emerging risk.
Education/Experience Requirements:
  • Bachelor’s degree required, graduate degree in business, finance, accounting, or a related field preferred.
  • 15+ years of progressive leadership experience overseeing credit and lending functions within a financial institution.
  •  Prior experience leading, sponsoring, or materially influencing technology‑driven transformation of lending and credit operations—such as LOS implementation, automated underwriting, or digital credit product development—is strongly preferred.

Physical Demands/Work Environment:

The physical demands/work environment described here is a representation of what must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to stand or sit; use hands/arms/fingers to handle, feel or reach, talk/hear, position self to move and have visual acuity to determine accuracy, neatness, and thoroughness of the work assigned. The employee may be required to lift and /or move up to 25 pounds. The noise level in the work environment is usually moderate.

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PCBB is an equal opportunity employer and will consider qualified applicants for employment without regard to race, color, national origin, ancestry, sex, gender, gender identity, gender expression, religious creed, disability (mental and physical), medical condition, genetic information, age, marital status, sexual orientation, military and veteran status, or any other characteristics protected by federal, state or local law.