American Federal Bank

General

• 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

Chief Credit Officer