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ThinkingAhead Executive Search · New York
Executive leadership, hybrid in New York: own the credit function at a growing lender.
Lead the credit strategy, set the underwriting standards, and shape the risk culture behind a growing lender as a key member of the executive team.
The Chief Credit Officer (CCO) leads the company’s credit strategy, underwriting standards, portfolio risk management, and overall credit culture. You’ll make sure lending decisions are sound, consistent, compliant, and aligned with the company’s growth goals and risk appetite. As a key member of the executive leadership team, you’ll partner with the CEO, CFO, and senior leaders on growth strategy, capital allocation, and portfolio performance.
What You’ll Do
Credit Strategy & Leadership
Develop and oversee the company’s overall credit strategy, risk appetite, and lending standards
Build a strong credit culture focused on disciplined underwriting, risk management, and portfolio quality
Partner with the CEO, CFO, and senior leadership team on growth strategy, capital allocation, and portfolio performance
Lead, mentor, and manage the credit, underwriting, and/or portfolio management teams
Serve as a key member of the executive leadership team and credit committee
Underwriting & Credit Approvals
Oversee underwriting for new loan opportunities, renewals, amendments, and restructurings
Review and approve credit memoranda, borrower financial analysis, collateral analysis, cash flow projections, and risk assessments
Ensure credit decisions are supported by appropriate financial, operational, collateral, and legal diligence
Evaluate borrower management teams, business models, industry trends, liquidity, leverage, and repayment capacity
Structure transactions that balance borrower needs, collateral protection, risk, and return
Credit Policy & Procedures
Develop, maintain, and enforce credit policies, underwriting guidelines, approval authorities, and risk-rating methodology
Keep policies appropriate as the company grows and market conditions change
Create consistent standards for collateral eligibility, advance rates, covenant requirements, reserves, reporting, and monitoring
Identify gaps in credit processes and implement improvements that increase efficiency, consistency, and risk control
Portfolio & Risk Management
Monitor portfolio performance, borrower trends, collateral coverage, covenant compliance, delinquencies, and credit deterioration
Identify emerging risks and recommend proactive actions to protect the company’s capital
Oversee portfolio reviews, watchlist reporting, risk ratings, and problem-loan management
Review borrowing base certificates, field exam results, appraisals, financial statements, and other borrower reporting
Partner with portfolio management and operations teams to ensure ongoing compliance with loan terms and collateral requirements
Credit Committee & Reporting
Lead or participate in credit committee meetings and present recommendations on new deals, renewals, amendments, and exceptions
Deliver clear, concise credit reporting to senior management, the board, investors, bank partners, and other stakeholders
Track and report key credit metrics, including portfolio quality, concentration risk, exceptions, delinquencies, non-performing loans, charge-offs, and covenant defaults
Document credit decisions, approvals, policy exceptions, and risk mitigants
Details
| Company | ThinkingAhead Executive Search |
| Location | New York |
| Type | FULL TIME |
| Niche | Managers |