Chief Credit Officer

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    "location": {
      "city": "Northbrook",
      "state": "Illinois"
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    "location": {
      "city": "Northbrook",
      "state": "Illinois",
      "postalCode": "60062",
      "addressCountry": "United States"
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    "datePosted": "2026-05-12",
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    "description": "<p><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-weight: bold\">This position is based in Northbrook, IL, and requires the ability to be in the office.</span></p>\n<p><br></p>\n<p><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-weight: bold\">Overview:</span></p>\n<p><br></p>\n<p><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">SmartBiz Bank offers a broad range of business banking solutions to small businesses across the U.S. – solutions built specifically to serve the dynamic needs of entrepreneurs and foster the growth of the small business community. SmartBiz Bank’s commitment to transparency and personalized customer service offers an unparalleled banking experience, ensuring small businesses have the financial services they need to grow and thrive.  Headquartered in Northbrook, Illinois, with an additional office in Austin, Texas, we are proud to serve both our local and national small business communities.</span></p>\n<p><br></p>\n<p><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-weight: bold\">Position Overview: </span></p>\n<p><br></p>\n<p><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">The Chief Credit Officer is responsible for overseeing the entire credit function of the bank. Reporting directly to the Chief Lending Officer in Northbrook, the CCO ensures the bank stays within regulatory guidelines and approved credit policies. </span></p>\n<p><br></p>\n<p><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Primary duties include:</span></p>\n<ul>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Oversee all aspects of the bank’s credit administration, which includes a combination of  traditional real estate and C&amp;I loans, along with SBA 7(a) loans</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Maintain, modify, and continually update the bank’s lending policies.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Dual approval of loans within the authority established in the Bank’s credit approval matrix.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Monitor loan portfolio for emerging risks  </span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Prepares weekly, monthly and quarterly management reports for both Management Credit and the Director Loan Committees.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Primary liaison with examiners, auditors, and loan review to facilitate their understanding of the bank’s loan portfolio and credit culture, as well as coordinate responses to document requests.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Partner with the lending team to structure deals that balance client needs with prudent risk management</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Partner with the national lending team to guide small loan credit box; underwriting standards to keep credit losses at an acceptable level </span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Manage and mentor the credit team, fostering a culture of accountability and collaboration</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Interact with legal counsel for troubled loans and responses to legal notices  </span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Assist the credit department with annual reviews of credits.</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-weight: bold\">Skills / Requirements:</span></p>\n<ul>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Computer literate with the ability to utilize all programs, including but not limited to: Microsoft Windows, Excel, Outlook, Word, Abrigo, Google Suite, Fiserv, and other specific bank-related software.  Sales force experience is a plus.  </span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Able to multitask while prioritizing responsibilities and tasks.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Demonstrate strong leadership within the department and overall bank.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Embrace technology to effect continuous improvement within credit department procedures.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Able to communicate clearly orally and in writing.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Highly effective interpersonal skills, working in a team environment.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Highly organized, reliable, and effective with management of time.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Strong analytical, problem-solving, and mathematical abilities.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">An ability to attend client meetings as needed.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">The ability to work extra hours, including early mornings, evenings, and weekends, as needed to accommodate customers and prospects, and assist with Saturday manager duties</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Supervisory Responsibilities: Approximately 4 direct reports, including credit analysts.</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-weight: bold\">Education and Experience:</span></p>\n<ul>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">College degree, particularly in related fields of study such as Business Administration, Accounting, Finance, etc.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Experience working with an OCC-regulated bank</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Previous credit authority up to $500,000</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Minimum 10 years in the lending and/or credit areas with a focus on SBA lending, including a minimum of 5 years as a Senior Credit Officer or Chief Credit Officer.</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-weight: bold\">Opportunities &amp; Benefits at SmartBiz Bank</span></p>\n<p><br></p>\n<p><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">Join a mission-driven team that’s reimagining small business banking. At SmartBiz Bank, we’re building the future of financial access — empowering entrepreneurs to thrive while creating meaningful careers for our people.</span></p>\n<p><br></p>\n<p><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-weight: bold\">What We Offer:</span></p>\n<p><br></p>\n<ul>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-weight: bold\">Shape the future of small business banking</span><span style=\"font-family: Arial, sans-serif; font-size: 10pt\"> — help drive innovation and financial inclusion for business owners nationwide.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-weight: bold\">Competitive compensation</span><span style=\"font-family: Arial, sans-serif; font-size: 10pt\"> — including salary, performance-based incentives (for certain roles), and equity participation.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-weight: bold\">Comprehensive benefits</span><span style=\"font-family: Arial, sans-serif; font-size: 10pt\"> —  100% employer-paid medical, dental, and vision insurance for employees, spouses, and dependents. 100% employer-paid life and disability insurance, and an employee-funded 401(k) retirement plan.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-weight: bold\">Time to recharge</span><span style=\"font-family: Arial, sans-serif; font-size: 10pt\"> — a flexible vacation policy designed to promote rest, balance, and well-being.</span></li>\n<li><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-weight: bold\">Inclusive, people-first culture </span><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">— guided by our values of empathy, excellence, and bold innovation, with equal opportunities for all.</span></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">-- </span><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-style: italic\">SmartBiz Bank is an Equal Opportunity employer and is proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law.</span><span style=\"font-family: Arial, sans-serif; font-size: 10pt\">   </span><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-style: italic\">California residents can learn more about how we use your information by visiting </span><a href=\"https://sites.google.com/view/smartbizloans-employment-ccpa\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-family: Arial, sans-serif; font-size: 10pt; font-style: italic\">https://sites.google.com/view/smartbizloans-employment-ccpa</span></a></p>",
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