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Chief Credit Officer Jobs (NOW HIRING)

ThinkingAhead

Chief Credit Officer

Kalamazoo, MI · On-site

$195K - $235K/yr

Chief Credit Officer (CCO) Southwest Michigan | Hybrid | $195,000-$235,000 Base Salary A financially strong and growing community bank in Southwest Michigan is seeking a strategic Chief Credit ...

ThinkingAhead

Chief Credit Officer

Kalamazoo, MI · Hybrid

$195K - $235K/yr

Chief Credit Officer (CCO) Southwest Michigan | Hybrid | $195,000-$235,000 Base Salary A financially strong and growing community bank in Southwest Michigan is seeking a strategic Chief Credit ...

Low Income Investment Fund

Credit Officer

San Francisco, CA · On-site

$164K - $205K/yr

Working under the direction of the Chief Credit Officer, the Credit Officer will manage and support the growing credit needs of the Low Income Investment Fund. This position will initially function ...

Low Income Investment Fund

Credit Officer

Washington, DC · On-site

$164K - $205K/yr

Working under the direction of the Chief Credit Officer, the Credit Officer will manage and support the growing credit needs of the Low Income Investment Fund. This position will initially function ...

Low Income Investment Fund

Credit Officer

Atlanta, GA · On-site

$164K - $205K/yr

Working under the direction of the Chief Credit Officer, the Credit Officer will manage and support the growing credit needs of the Low Income Investment Fund. This position will initially function ...

Low Income Investment Fund

Credit Officer

Los Angeles, CA · On-site

$164K - $205K/yr

Working under the direction of the Chief Credit Officer, the Credit Officer will manage and support the growing credit needs of the Low Income Investment Fund. This position will initially function ...

Low Income Investment Fund

Credit Officer

Manhattan, NY · On-site

$164K - $205K/yr

Working under the direction of the Chief Credit Officer, the Credit Officer will manage and support the growing credit needs of the Low Income Investment Fund. This position will initially function ...

STURGIS BANK

Chief Credit Officer

Sturgis, MI

The Chief Credit Officer (CCO) is responsible for the overall credit quality, risk management, and loan portfolio performance of the Bank including retail and commercial. This position provides ...

Climate First Bank

Chief Credit Officer

Orlando, FL

Chief Credit Officer (CCO) We're seeking a Chief Credit Officer to be responsible for overseeing the credit risk management and lending operations of the bank. You'll ensure that the bank's credit ...

Eazifunds

Chief Credit Officer (Remote)

New York, NY · On-site +1

As the Chief Credit Officer (CCO), you will spearhead our credit, risk, and exposure management initiatives. Your leadership will be instrumental in crafting and maintaining risk and credit policies ...

State of Virginia

Chief Credit Officer #00046

Richmond, VA · On-site

$125K - $150K/yr

Chief Credit Officer #00046 Apply now Job no: 5106811 Work type: Full-Time (Salaried) Location: Richmond (City), Virginia Categories: Audit and Finance Title: Chief Credit Officer #00046 State Role ...

Topaz HR Advisory

Chief Credit Officer

Toms River, NJ · On-site

$150 - $200/hr

Position Overview A growing financial services organization is seeking a Chief Credit Officer to lead underwriting, credit risk, and portfolio management functions. This executive-level role will be ...

New

Topaz HR

Chief Credit Officer

Toms River, NJ · On-site

Position Overview A growing financial services organization is seeking a Chief Credit Officer to lead underwriting, credit risk, and portfolio management functions. This executive-level role will be ...

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All JobsChief Credit Officer Jobs

Chief Credit Officer information

See salary details

$121K

$183.1K

$274.5K

How much do chief credit officer jobs pay per year?

As of Jul 15, 2026, the average yearly pay for chief credit officer in the United States is $183,073.00, according to ZipRecruiter salary data. Most workers in this role earn between $150,000.00 and $210,000.00 per year, depending on experience, location, and employer.

What is the difference between Chief Credit Officer vs Credit Analyst?

AspectChief Credit OfficerCredit Analyst
CredentialsTypically requires a bachelor’s degree in finance, accounting, or related field; often advanced certifications like CFA or CPAUsually holds a bachelor’s degree in finance, economics, or related field; certifications like CFA can be advantageous
Work EnvironmentExecutive-level setting, overseeing credit policies and risk management across the organizationAnalytical setting, assessing individual credit applications and financial data
Industry UsageCommonly found in banking, financial services, and large corporationsWidely used in banking, lending institutions, and credit departments

The Chief Credit Officer focuses on strategic credit risk management at an organizational level, while the Credit Analyst evaluates individual creditworthiness. Both roles require financial expertise, but differ in scope and responsibility.

What are the key skills and qualifications needed to thrive as a Chief Credit Officer, and why are they important?

To thrive as a Chief Credit Officer, you need a deep understanding of credit risk management, financial analysis, and lending regulations, usually backed by a degree in finance or a related field and significant experience in credit operations. Familiarity with credit scoring models, risk assessment software, and regulatory compliance tools is typically required, and certifications such as CFA or FRM can be advantageous. Strong leadership, strategic decision-making, and excellent communication skills are essential for guiding teams and influencing organizational credit policy. These competencies are crucial to effectively manage credit risk, support business objectives, and ensure regulatory compliance across the organization.

What does a Chief Credit Officer do?

A Chief Credit Officer (CCO) is a senior executive responsible for overseeing an organization's credit risk management strategies and policies. They ensure that the company’s credit portfolio aligns with business objectives while minimizing risk exposure. The CCO leads teams that evaluate, approve, and monitor loans or credit lines, and develops procedures to assess borrower creditworthiness. They also work closely with other executives to set credit limits and ensure regulatory compliance. Their role is crucial in maintaining the financial health and stability of the organization.

What Does a Chief Credit Officer Do?

The Chief Credit Officer (CCO) is the person responsible for managing the risk associated with the distribution of bank loans. The CCO’s responsibilities include overseeing collections and loan procedures, and processing mitigation of the risks surrounding a loan portfolio. The CCO will work with management to ensure all internal documentation is in compliance with government regulations. They are also responsible for all the decisions of the lending department of a bank or lending institution. Employers typically require a bachelor’s degree plus 8-10 years of experience in lending, loan review, and compliance. Skills in financial management, problem-solving, and communication help secure the best jobs.

What are some of the common challenges a Chief Credit Officer faces when balancing risk management and business growth objectives?

A Chief Credit Officer often encounters the challenge of maintaining a healthy balance between minimizing credit risk and supporting the organization’s growth initiatives. This involves setting robust credit policies that protect the company while still enabling sales teams to pursue new business opportunities. Navigating changing market conditions, regulatory requirements, and evolving customer profiles requires strategic judgment and effective collaboration with other departments such as risk, compliance, and business development. Regular communication with executive leadership is key to aligning credit strategies with overall business goals.
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Chief Credit Officer jobs near you
Chief Credit Officer

Chief Credit Officer

ThinkingAhead

Kalamazoo, MI • On-site

$195K - $235K/yr

Full-time

Posted 12 days ago

Job description

Chief Credit Officer (CCO) Southwest Michigan | Hybrid | $195,000-$235,000 Base Salary
A financially strong and growing community bank in Southwest Michigan is seeking a strategic Chief Credit Officer (CCO) to join its Executive Leadership Team.
This is an opportunity for an accomplished credit executive to shape enterprise-wide credit strategy, partner directly with the CEO and Board of Directors, and influence the future growth of a well-respected banking institution. The successful candidate will oversee all aspects of credit risk management, portfolio administration, asset quality, and underwriting across both commercial and retail lending.
The Bank is committed to responsible growth, strong asset quality, and relationship-driven banking. The Chief Credit Officer will play a key role in balancing growth objectives with prudent risk management while maintaining a strong credit culture throughout the organization.
Position Overview
The Chief Credit Officer serves as the Bank's senior credit executive and is responsible for the overall quality and performance of the loan portfolio. This individual provides leadership and oversight for credit administration, loan review, portfolio management, policy development, regulatory compliance, and problem loan management.
The CCO partners closely with executive leadership, lending teams, and the Board of Directors to support sound lending practices and sustainable growth.
Key Responsibilities
  • Lead the Bank's commercial and retail credit functions.
  • Oversee portfolio quality, risk grading, concentrations, policy exceptions, and asset quality trends.
  • Develop and maintain credit policies, underwriting standards, and credit administration practices.
  • Chair the Loan Committee and provide recommendations on significant credit relationships.
  • Direct the independent loan review process and oversee regulatory examination activities.
  • Lead problem loan identification, workout strategies, and criticized asset management.
  • Present portfolio performance, credit trends, and risk assessments to Executive Management and the Board.
  • Partner with commercial lending leadership to support profitable growth consistent with the Bank's risk appetite.
  • Monitor economic and market conditions and assess potential impacts on credit strategy.
  • Build, mentor, and develop a high-performing credit team.
Leadership Responsibilities
Direct oversight of:
  • Commercial Credit Manager
  • Loan Portfolio Manager
  • Commercial Processor Supervisor
  • Mortgage Underwriting Supervisor
QualificationsRequired
  • Bachelor's degree in Finance, Accounting, Business Administration, or related discipline.
  • 10+ years of progressive commercial credit, credit administration, and lending experience.
  • Demonstrated leadership experience managing credit teams and portfolio risk.
  • Strong understanding of regulatory expectations, underwriting practices, loan review, and portfolio management.
  • Excellent communication and executive presentation skills.
Preferred
  • Current or previous Chief Credit Officer, Senior Credit Officer, or equivalent executive-level credit leadership experience.
  • MBA, Graduate School of Banking, or other advanced banking education.
  • Experience within a community or regional banking environment.
Compensation & Benefits
  • Base Salary: $195,000-$235,000
  • Hybrid work arrangement
  • Comprehensive executive benefits package
  • Significant interaction with Executive Leadership and Board of Directors
  • Opportunity to influence strategic direction and long-term growth
Ideal Candidate
This role is well-suited for a seasoned Senior Credit Officer, Chief Credit Officer, or senior credit executive seeking a broader leadership platform and the opportunity to make a meaningful impact within a growing community banking organization.
Confidential inquiries are welcome.

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