Chief Credit Officer

Heritage Bank NW

. Develop and implement credit policies, procedures, and guidelines .

Posted 11/6/2026full-timeSioux Falls • South Dakota • United StatesLead💰 $135,000 - $160,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit risk management, including the development and implementation of credit policies and procedures, while ensuring compliance with regulatory requirements. Proven ability to lead and mentor teams, analyze market conditions, and provide strategic insights to executive leadership.

Highest-signal resume keywords

Credit Risk ManagementLeadership and Team ManagementRegulatory ComplianceAnalytical and Problem-Solving SkillsBSA Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit PoliciesCredit Approval ProcessCredit Portfolio ManagementCredit ReviewsMitigation StrategiesLoan Workout and LiquidationPerformance Metrics AnalysisMarket Condition AnalysisDecision-Making Under PressureStrategic Planning

Soft Skills

LeadershipCommunicationInterpersonal SkillsTeam DevelopmentStakeholder Interaction

Tools & Technologies

Technology UtilizationProcess Improvement

Certifications & Qualifications

BSA Training Participation

Industry Keywords

Credit OperationsRegulatory RequirementsBank StandardsCredit GuidelinesCredit Risk Assessment

About the role

Key responsibilities & impact

Develop and implement credit policies, procedures, and guidelines
Oversee the credit approval process and ensure loans and credit lines meet bank standards and regulatory requirements
Monitor and manage the credit portfolio to balance risk and reward
Conduct regular credit reviews and stress tests, and implement mitigation strategies
Oversee workout, liquidation, and reporting of problem loans
Lead, mentor, and develop the credit team
Ensure the credit team is trained and equipped effectively
Collaborate with the Executive Team on strategic plans aligned with bank goals
Provide credit-related insights and recommendations to the Executive Team
Use technology and streamline processes to improve efficiency and service
Ensure credit operations comply with laws, regulations, and industry standards
Liaise with regulatory bodies and auditors during examinations and audits
Prepare regular reports on credit portfolio performance, metrics, and trends
Analyze market conditions and economic trends and assess their impact on the credit portfolio
Perform security-related duties and additional duties as assigned

Requirements

What you’ll need

Bachelor’s degree in Finance, Business Administration, or a related field
MBA or relevant postgraduate qualification preferred
Minimum of 7 years of experience in credit risk management, with a majority in a senior leadership role
In-depth knowledge of credit policies, procedures, and regulatory requirements
Strong analytical and problem-solving skills, with the ability to make sound decisions under pressure
Excellent leadership and team management skills
Outstanding communication and interpersonal skills, with the ability to interact effectively with stakeholders at all levels
Proficient in leveraging technology to improve efficiency and effectiveness
Participation in all required BSA training
Knowledge of BSA relative to job responsibilities

Benefits

Comp & perks

Paid time off
Paid holidays
Paid volunteer days
Medical insurance
Dental insurance
Vision insurance
401(k) retirement plan
ESOP retirement plan
Additional benefits and incentives consistent with company policy