Citizens Bank Minnesota

New Ulm, MN

Job Title:
Chief Credit Officer

Citizens Bank Minnesota is looking for a high performing, experienced, motivated and community focused Chief Credit Officer who loves working with people and has great attention to detail. The selected candidate will provide oversight for the bank’s credit quality as well as being responsible for Delivering the Ultimate Experience by developing positive, meaningful relationships with new and existing clients and for building a positive culture that ensures team members can thrive and organizational goals are met. This is an outstanding opportunity to join a trusted financial institution. If you are an upbeat, positive candidate, this is a career worthy of consideration.

• Oversee the Lending functions of the bank by providing directive to VPs, AVPs, Lending Officers, Senior Credit Analyst, Crop Insurance Manager. • Underwrite, originate and service all types of loans. • Develops and manages Bank’s annual lending budget. Ensures that budget links to strategic plan/goals. • Manages loan portfolio for appropriate mix, ensuring profitability without significant risk to the Bank. • Manages all aspects of bank-wide credit policy, credit administration and loan review. • Monitor and communicate rates and terms. • Develops, implements, communicates, and models a sales and service culture focused on new business development and growth of existing customer relationships. • Reviews loan requests, approval within established lending authorities. • Serves as conduit between lenders and Board of Directors. • Oversee loan collection, problem credits and administration of OREO assets. • Oversee and monitor the loan risk rating system. • Assist CFO with monitoring loan loss reserves. • Receive and monitor any Bankruptcy notifications and actions required. • Monitor and communicate prices on crops and livestock for balance sheet and cash flow purposes. • Work with BSA Officer on SAR’s and actions on suspicious transactions.

• College Degree in Business Administration and/or Finance or equivalent experience. • Graduate Level Banking School • Specialized credit training • Specialized sales training • 7-10 years banking background • 5-7 years Credit Administration/Loan Review


How to Apply: