Chief Credit Officer

The Chief Credit Officer oversees SmartBiz Bank's entire credit function, ensuring compliance with regulatory guidelines and approved credit policies for small business, real estate, and SBA 7(a) loans. This senior leadership role involves updating lending policies, monitoring loan portfolios for risks, preparing management reports, and partnering with the lending team to structure deals that balance client needs with prudent risk management. Key duties include managing and mentoring a team of credit analysts, serving as a liaison with external examiners and auditors, and guiding underwriting standards to minimize credit losses.