Location: Carlsbad, CA

Department: Credit Administration

Reports To: Chief Credit Officer (CCO)

FLSA: Exempt

Position Summary:

The Deputy Chief Credit Officer (DCCO) supports the Chief Credit Officer in overseeing the Bank’s credit administration, risk management, and portfolio quality for a ~$1 billion commercial bank. This role provides leadership in credit approval, portfolio management, regulatory compliance, and credit administration. The DCCO serves as a senior-level resource for lenders, underwriters, and executive management, ensuring safe, sound, and profitable credit activities consistent with the Bank’s risk appetite.

Key Responsibilities:

Credit Risk Management & Oversight

• Assist the CCO in managing overall credit risk for the Bank, including commercial & industrial, commercial real estate, construction, SBA, and consumer portfolios.
• Perform independent credit reviews and participate in loan approval decisions within delegated authority.
• Support development and maintenance of the Bank’s credit risk rating system, loan production software, and internal approval processes.
• Review and monitor large, complex, or higher-risk relationships for credit quality, structure, and policy adherence.
• Oversee loan underwriting teams, including new production and portfolio management, including watchlist management and early-warning indicators.

Credit Policy, Procedures & Governance

• Assist in maintaining, updating, and enforcing credit policies, underwriting standards, and risk tolerances.
• Ensure compliance with regulatory guidance (e.g., OCC/FDIC, Interagency Loan Policy, CRE Concentration Guidance, SBA SOP, etc.) and internal controls.
• Participate in loan committees and provide independent risk assessment and recommendations.

Leadership & Staff Development

• Provide day-to-day supervision and guidance for credit underwriters, including those focused on production and those focused on portfolio management.
• Mentor team members to support skill development, consistency of underwriting, and strong credit culture.
• Assist with workforce planning, performance evaluations, and training initiatives.

Portfolio Analysis & Reporting

• Prepare and deliver periodic reports to the CCO, executive management, and the Director’s Loan Committee, including:

  • New and Paid Loan activity
  • Portfolio composition and trends
  • Problem loan analysis and remediation plans
  • Concentration levels
  • Regulatory exam/loan review responses

• Participate in the annual credit review cycle and internal/external audits.

Loan Administration & Operations

• Support the accuracy and completeness of loan documentation, collateral administration, covenant tracking, and ongoing borrower monitoring.
• Ensure timely and accurate risk rating updates and problem loan reporting.
• Assist with oversight of special assets, loan workouts, and collections as needed.

Qualifications:

Education & Experience

• Bachelor’s degree in finance, accounting, business, or related field required; MBA or graduate banking degree preferred.
• Minimum 10+ years of progressive commercial credit experience, including underwriting, portfolio management, and credit administration.
• Prior leadership or supervisory experience within a commercial bank required.

Knowledge & Skills

• Strong understanding of commercial lending, credit analysis, financial statement interpretation, and cash-flow-based underwriting.
• Familiarity with regulatory standards, credit risk modeling, concentration management, and loan grading methodologies.
• Excellent judgment, analytical skills, and decision-making ability.
• Strong written/verbal communication skills and ability to present to senior management and the Board.
• Ability to manage multiple priorities in a fast-paced environment.
• Working knowledge of nCino loan program software

Competencies

• Strategic thinking and risk-focused mindset
• Leadership and team development
• Problem solving and analytical rigor
• Regulatory awareness and compliance discipline
• Integrity, objectivity, and sound credit judgment
• Collaboration and communication across business units

Working Conditions

• Standard office environment with hybrid/remote flexibility depending on policy.
• Occasional travel to branches, customer sites, training, or regulatory meetings.