ROLE
The Chief Credit Officer provides strategic leadership and oversight to the Bank’s credit administration function. The Chief Credit Officer is responsible for maintaining the overall quality of the loan portfolio, ensuring compliance with regulatory expectations, strengthening credit risk management practices, overseeing the Bank’s Current Expected Credit Losses (CECL) and Allowance for Credit Losses (ACL) processes, and enhancing the effectiveness of underwriting, loan review, and portfolio monitoring across the organization. This position plays a critical role in addressing regulatory and examination recommendations, enhancing credit administration processes, supporting well-documented ACL governance, and strengthening the Bank’s construction and development lending program.

ESSENTIAL FUNCTIONS
This position is responsible for the following functions:
• Direct and oversee all credit administration activities
• Ensure consistent application of loan policy and underwriting standards
• Lead response to regulatory examination findings and corrective actions
• Enhance internal controls designed to prevent lending limit violations and approval exceptions
• Serve as the Bank’s subject matter expert for construction and development lending
• Develop procedures for construction inspections, draw controls, lien waivers, and project monitoring
• Oversee loan grading, criticized assets, problem loan management, and concentration monitoring
• Oversee the Bank’s CECL and ACL process in coordination with Accounting/Finance, including methodology governance, qualitative factor support, model inputs, documentation, and management reporting
• Ensure CECL assumptions, segmentation, loss drivers, economic forecasts, specific reserves, and qualitative adjustments are reasonable, supportable, and aligned with portfolio risk
• Present CECL and ACL results, trends, key assumptions, and recommended reserve levels to executive management, the Credit Committee, Audit Committee, or Board as appropriate
• Update and maintain loan policies, approval authorities, and credit administration procedures
• Mentor lenders, analysts, and credit administration staff

Various other duties as assigned

QUALIFICATIONS
EDUCATION/CERTIFICATION: Bachelor’s degree in Business, Finance, or related field

High School Diploma or equivalent required

REQUIRED KNOWLEDGE: Full knowledge of loan services offered by Peoples Bank and Trust, understanding of all PBT policies and procedures related to loan services provided, working knowledge of CECL, ACL governance, credit loss estimation, qualitative factor analysis, and related regulatory expectations

EXPERIENCE REQUIRED: 10+ years commercial banking experience
5+ years of senior credit administration or credit leadership experience
Significant experience with construction and development lending
Experience working directly with regulators, loan review, auditors, and executive management

SKILLS/ABILITIES: Strong interpersonal and relationship-building skills, ability to work closely with lenders, credit analysts, loan operations, executive management, and regulators, provide independent credit oversight while maintaining a collaborative and solutions-oriented approach, excellent verbal and written communication skills, ability to mentor lenders and promote a culture of accountability, consistency, and sound credit judgment

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
TALKING: Ability to speak effectively and communicate clearly
AVERAGE HEARING: Ability to hear average conversations at a standard level in an office environment around other customers and bank personnel
REPETITIVE MOTION: The employee is regularly required to type throughout the day
FINGER DEXTERITY: The employee is regularly required to use their hands to type and maneuver a mouse
AVERAGE VISION: Specific vision abilities required by this job include close vision, color vision, peripheral vision, depth perception, and the ability to adjust focus with 20/20 vision (with or without the assistance of eyeglasses/contacts)
PHYSICAL STRENGTH: The employee may occasionally lift and/or move up to 25 pounds (unassisted), as well as stand or sit for long periods of time

WORKING CONDITIONS
General professional office environment with climate control and adequate lighting. Occasional additional
hours outside of regular bank service hours to complete tasks.

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
REASONING ABILITY: Ability to deal with a variety of variables under only limited standardization.
MATHEMATICS ABILITY: Strong numeric capabilities; ability to add, subtract, multiply, and divide in all units of measure using whole numbers and common fractions.
LANGUAGE ABILITY: Ability to read, analyze, and interpret documents. Ability to communicate clearly.

INTENT AND FUNCTION OF JOB DESCRIPTIONS
Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified
employees are selected. They are also essential to an effective appraisal system and related promotion, transfer,
layoff, and termination decisions. Well-constructed job descriptions are an integral part of any effective
compensation system.

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included.
Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities
included have been determined to be the minimal standards required to successfully perform the positions. In no
instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive.
Additional functions and requirements may be assigned by supervisors as deemed appropriate.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to
reasonably accommodate disabled individuals. However, no accommodations will be made which may pose
serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts. The organization maintains its
status as an at-will employer. Employees can be terminated for any reason not prohibited by law.

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