Job Description

Position Overview

We are seeking an experienced Senior Credit Officer / Chief Credit Officer (CCO) to provide strategic credit leadership for a growing community or regional bank. This individual will bring 10+ years of Ag and Commercial Credit experience and will play a key role in maintaining strong credit quality, managing risk, and supporting profitable loan growth.

The ideal candidate is a seasoned credit professional with strong knowledge of agricultural and commercial lending, excellent credit judgment, and the ability to partner effectively with lenders, executive leadership, and the Board.

Key Responsibilities

• Provide leadership and oversight of the bank's overall credit function.
• Review and approve commercial and agricultural loan requests within established lending authority.
• Oversee credit underwriting, analysis, portfolio management, and risk assessment.
• Partner with commercial and agricultural lenders to structure sound, profitable loans.
• Monitor the overall quality and performance of the loan portfolio.
• Identify emerging credit risks and recommend appropriate mitigation strategies.
• Lead or participate in Loan Committee and other credit-related committees.
• Ensure adherence to bank policies, regulatory requirements, and sound banking practices.
• Provide guidance and mentorship to credit analysts, lenders, and other lending personnel.
• Review criticized, classified, and watch-list relationships and develop appropriate action plans.
• Assist senior leadership with strategic planning, loan growth initiatives, and credit risk management.
• Maintain strong relationships with internal teams, customers, auditors, and regulators.
• Help develop and continuously improve credit policies, procedures, and underwriting standards.

Qualifications

• 10+ years of progressive experience in Ag and Commercial Credit.
• Strong understanding of agricultural lending, commercial lending, and credit risk management.
• Demonstrated experience analyzing complex commercial and agricultural loan relationships.
• Previous experience in a senior credit leadership, credit administration, or CCO capacity preferred.
• Strong knowledge of financial statement analysis, cash-flow analysis, collateral evaluation, and loan structuring.
• Experience with Loan Committee and credit approval processes.
• Strong understanding of regulatory expectations and sound credit practices.
• Excellent leadership, communication, analytical, and decision-making skills.
• Bachelor's degree in Finance, Accounting, Business, Agricultural Economics, or a related field preferred.

What We're Looking For

This is an excellent opportunity for a senior credit professional who wants to have a meaningful impact on the direction and growth of a bank. The successful candidate will combine strong technical credit expertise with the leadership ability to build relationships, develop talent, and maintain a disciplined credit culture while supporting the bank's lending objectives.

If you are an experienced Ag and Commercial Credit leader ready to take the next step in your career, we'd like to hear from you.

Send resumes to Brayden Texer at brayden.texer@gogpac.com or Call 616.465.2358

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations. GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.