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Chief Lending Jobs (NOW HIRING)

SmartBiz Bank

Chief Credit Officer

Northbrook, IL · On-site

$190K - $210K/yr

Reporting directly to the Chief Lending Officer in Northbrook, the CCO ensures the bank stays within regulatory guidelines and approved credit policies. Primary duties include: * Oversee all aspects ...

Solar and Energy Loan Fund

Be Seen First

Chief Credit and Lending Officer

Fort Pierce, FL · On-site

$150K - $160K/yr

The Chief Credit and Lending Officer (CCLO) is a senior executive responsible for the strategic direction, performance, and risk management of all SELF lending activities. SELF offers a full spectrum ...

FIRSTAR BANK

EVP/Chief Banking Officer

Tulsa, OK · On-site

Lead lending teams in delivering responsive, compliant, and community-focused credit solutions. * Drive portfolio growth while maintaining prudent risk management and credit quality standards.

Boone Bank & Trust Co.

Senior Loan Officer

Boone, IA · On-site

Collaborates with the ANC Chief Lending Officer to maintain a strong credit culture and plan, organize and direct the workflow of the loan functions including lending, operations, and credit ...

Boone Bank & Trust Co.

Senior Loan Officer

Boone, IA · On-site

Collaborates with the ANC Chief Lending Officer to maintain a strong credit culture and plan, organize and direct the workflow of the loan functions including lending, operations, and credit ...

SOUTHERN BANK

SBA Loan Officer

Lees Summit, MO

Oversee and, as required, manage the collection and legal actions for various loan relationships in concert with the Special Assets Administrator, Chief Lending Officer, Regional President, Market ...

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All JobsChief Lending Jobs

Chief Lending information

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$33K

$124.4K

$200.5K

How much do chief lending jobs pay per year?

As of Jun 16, 2026, the average yearly pay for chief lending in the United States is $124,409.00, according to ZipRecruiter salary data. Most workers in this role earn between $93,000.00 and $146,000.00 per year, depending on experience, location, and employer.

How to become a chief lending officer?

To become a chief lending officer, candidates typically need a bachelor's degree in finance, business, or a related field, along with extensive experience in lending or banking, often 10 or more years. Strong leadership, risk management skills, and knowledge of lending regulations are essential, and many professionals pursue advanced certifications such as the Certified Lending Professional (CLP) or similar credentials.

What kind of loan officer makes the most money?

Senior or experienced mortgage loan officers typically earn the highest incomes, especially those who handle high-value or complex loans. Loan officers with specialized skills, strong client networks, and certifications such as the Certified Mortgage Banker (CMB) tend to have higher earning potential, often through commissions and bonuses based on loan volume and performance.

Is MLO a stressful job?

A mortgage loan originator (MLO) role can be stressful due to the pressure of meeting sales targets, managing client expectations, and navigating complex regulations. The job often involves tight deadlines and high responsibility for accurate documentation, which can contribute to stress levels. However, workload and stress vary depending on the employer and individual experience.

How much does a chief loan officer make?

A chief loan officer typically earns between $70,000 and $150,000 annually, with total compensation often including bonuses and commissions based on loan performance. Salaries vary depending on experience, location, and the size of the financial institution, and the role requires strong leadership and lending expertise.

What is the difference between Chief Lending vs Loan Officer?

AspectChief LendingLoan Officer
CredentialsTypically requires a bachelor’s degree, industry certifications, and extensive experience in lending managementUsually needs a bachelor’s degree and relevant licensing or certifications, such as NMLS
Work EnvironmentExecutive-level, overseeing lending departments and strategic planningFrontline, working directly with clients to process and approve loans
Employer & Industry UsageUsed in banks, credit unions, and financial institutions at a senior levelCommonly employed in banks, mortgage companies, and lending institutions

While both roles are involved in lending, the Chief Lending is a senior leadership position responsible for overall lending strategies, whereas the Loan Officer handles day-to-day loan processing and client interactions. The Chief Lending focuses on high-level management, policy setting, and team oversight, while the Loan Officer works directly with borrowers to evaluate and approve individual loans.

What cities are hiring for Chief Lending jobs? Cities with the most Chief Lending job openings:
What states have the most Chief Lending jobs? States with the most job openings for Chief Lending jobs include:
Chief Lending jobs near you

Chief Credit Officer

SmartBiz Bank

Northbrook, IL • On-site

$190K - $210K/yr

Full-time

Medical, Dental, Vision, Life, Retirement

Posted 6 days ago

Job description

This position is based in Northbrook, IL, and requires the ability to be in the office.
Overview:
SmartBiz Bank offers a broad range of business banking solutions to small businesses across the U.S. - solutions built specifically to serve the dynamic needs of entrepreneurs and foster the growth of the small business community. SmartBiz Bank's commitment to transparency and personalized customer service offers an unparalleled banking experience, ensuring small businesses have the financial services they need to grow and thrive. Headquartered in Northbrook, Illinois, with an additional office in Austin, Texas, we are proud to serve both our local and national small business communities.
Position Overview:
The Chief Credit Officer is responsible for overseeing the entire credit function of the bank. Reporting directly to the Chief Lending Officer in Northbrook, the CCO ensures the bank stays within regulatory guidelines and approved credit policies.
Primary duties include:
  • Oversee all aspects of the bank's credit administration, which includes a combination of traditional real estate and C&I loans, along with SBA 7(a) loans
  • Maintain, modify, and continually update the bank's lending policies.
  • Dual approval of loans within the authority established in the Bank's credit approval matrix.
  • Monitor loan portfolio for emerging risks
  • Prepares weekly, monthly and quarterly management reports for both Management Credit and the Director Loan Committees.
  • Primary liaison with examiners, auditors, and loan review to facilitate their understanding of the bank's loan portfolio and credit culture, as well as coordinate responses to document requests.
  • Partner with the lending team to structure deals that balance client needs with prudent risk management
  • Partner with the national lending team to guide small loan credit box; underwriting standards to keep credit losses at an acceptable level
  • Manage and mentor the credit team, fostering a culture of accountability and collaboration
  • Interact with legal counsel for troubled loans and responses to legal notices
  • Assist the credit department with annual reviews of credits.

Skills / Requirements:
  • Computer literate with the ability to utilize all programs, including but not limited to: Microsoft Windows, Excel, Outlook, Word, Abrigo, Google Suite, Fiserv, and other specific bank-related software. Sales force experience is a plus.
  • Able to multitask while prioritizing responsibilities and tasks.
  • Demonstrate strong leadership within the department and overall bank.
  • Embrace technology to effect continuous improvement within credit department procedures.
  • Able to communicate clearly orally and in writing.
  • Highly effective interpersonal skills, working in a team environment.
  • Highly organized, reliable, and effective with management of time.
  • Strong analytical, problem-solving, and mathematical abilities.
  • An ability to attend client meetings as needed.
  • The ability to work extra hours, including early mornings, evenings, and weekends, as needed to accommodate customers and prospects, and assist with Saturday manager duties
  • Supervisory Responsibilities: Approximately 4 direct reports, including credit analysts.

Education and Experience:
  • College degree, particularly in related fields of study such as Business Administration, Accounting, Finance, etc.
  • Experience working with an OCC-regulated bank
  • Previous credit authority up to $500,000
  • Minimum 10 years in the lending and/or credit areas with a focus on SBA lending, including a minimum of 5 years as a Senior Credit Officer or Chief Credit Officer.

Opportunities & Benefits at SmartBiz Bank
Join a mission-driven team that's reimagining small business banking. At SmartBiz Bank, we're building the future of financial access - empowering entrepreneurs to thrive while creating meaningful careers for our people.
What We Offer:
  • Shape the future of small business banking - help drive innovation and financial inclusion for business owners nationwide.
  • Competitive compensation - including salary, performance-based incentives (for certain roles), and equity participation.
  • Comprehensive benefits - 100% employer-paid medical, dental, and vision insurance for employees, spouses, and dependents. 100% employer-paid life and disability insurance, and an employee-funded 401(k) retirement plan.
  • Time to recharge - a flexible vacation policy designed to promote rest, balance, and well-being.
  • Inclusive, people-first culture - guided by our values of empathy, excellence, and bold innovation, with equal opportunities for all.

-- SmartBiz Bank is an Equal Opportunity employer and is proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. California residents can learn more about how we use your information by visiting https://sites.google.com/view/smartbizloans-employment-ccpa

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