Citizens Bank
  • Kilgore, TX, USA
  • Salary
  • Full Time

401k, Vacation/Sick Time, Medical/Dental/Vision

The selected candidate will be responsible for oversight and administration of the Bank's loan portfolio through the monitoring and management of credit risk within the lending activities of the Bank consistent with the Bank's established policy and regulatory standards. The main purpose of this position is to establish the internal controls and written policies and procedures, subject to approval by the Board of Directors, for extending credit to the Bank's customers while ensuring that they effectively meet the overall goals of the bank. This position will report to the Bank's President and CEO.


  • Establishing, maintaining and modeling a strong credit culture for the Bank
  • Providing oversight for an effective loan approval process that supports the credit risk appetite of the Bank while also facilitating the Bank's desired growth objectives
  • Serve as Chair of the weekly Directors Loan Committee
  • Directing all credit underwriting, documenting, funding and loan portfolio management activities of the Bank ensuring compliance with all applicable laws and regulations
  • Developing and maintaining standardized policies and procedures, approved by the Bank's Board of Directors, to assure the effective delivery of credit products for the Bank
  • Maintaining the Bank's Internal Watch List to ensure that credit risk is timely and appropriately identified and documented
  • Ensure the adequacy of the Bank's Loan Loss Reserve
  • Be a part of the Bank's team to insure the timely adoption of CECL
  • Managing a portfolio of commercial loan customers to include originating and underwriting new credits existing and/or new customers to include renewals, modifications and annual reviews
  • Serve as first review, in concert with the Bank's CEO, on all loans that are required to be submitted to the Bank's Board Loan Committee for approval
  • Mentor and develop Banking Center CEO's, who will be direct reports to this position, and other commercial lenders, to include making appropriate loan structure and pricing recommendations
  • Interact with regulatory authorities on all issues related to the loan portfolio and the ALLL
  • Identify potential Banking Center CEO candidates, when vacancies occur, in concert with the Bank's CEO, to present to the Bank's Board of Directors for final approval
  • Be a part of the annual budgeting process in concert with the Bank's cashier and CEO
  • Ensure that the Bank has a strong, independent third party loan review process in place that will provide an objective review of the risk in the Bank's loan portfolio
  • Take the initiative to be out in front of changing economic conditions/dynamics and to adjust the Bank's underwriting process and appetite for risk accordingly
  • Provide leadership and direction to Loan Administration Department to ensure satisfactory performance, adequate training and fair compensation in accordance with Bank policies. Assist as needed in hiring decisions. Conduct annual performance reviews with direct reports.
  • Be visible and involved in local community and civic groups


  • B.S./B.A. in Finance, Accounting, Economics or a similar discipline. An MBA and/or degree from a graduate school of banking will be a plus.
  • A minimum of twenty years of diverse commercial lending experience in a community or regional bank with increasing levels of management responsibility
  • Formal credit training coupled with a strong analytical skillset
  • Five or more years' experience as a chief credit officer/chief lending officer working in credit risk analytics and/or risk management with a financial institution(s) to include the development of credit policy, underwriting standards and the identification and mitigation of problem loan relationships
  • Find satisfaction building and leading a competent team, providing them with the tools to be successful without your need to be looking over their shoulder
Citizens Bank
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