Chief Credit Officer

American Federal Bank

. Establish and lead the Bank's overall credit risk management framework .

Posted 9/29/2026full-timeRemote • North Dakota • United StatesLeadWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit risk management, portfolio growth strategies, and regulatory compliance within the banking sector. Proven ability to lead teams, develop credit policies, and present strategic recommendations to executive leadership and the Board.

Highest-signal resume keywords

Credit Risk ManagementPortfolio ManagementRegulatory ComplianceLoan ReviewCredit Administration

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisLoan UnderwritingPortfolio ReportingCredit Policy DevelopmentRisk Assessment

Soft Skills

LeadershipCommunicationTeam BuildingCustomer RelationsOrganizational Skills

Tools & Technologies

Microsoft WordMicrosoft ExcelLotus Notes

Industry Keywords

Commercial LendingAgricultural LendingConsumer LendingCredit Quality AssessmentRisk Management Culture

About the role

Key responsibilities & impact

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

What you’ll need

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