First Federal Bank of Kansas City · 3 days ago
Chief Credit Officer
Leawood, KS
Full-time
Onsite
Director/Executive
10+ years expFirst Federal Bank of Kansas City is one of the largest mutually owned banks in the Midwest, dedicated to helping families build a better financial future. The Chief Credit Officer will lead the bank's credit risk management function, overseeing underwriting, portfolio risk analysis, and regulatory compliance.
BankingFinancial ServicesGovernment
Hiring Manager
Melanie Barnhart, SHRM-CP, PHR
Responsibilities
Develops, maintains, and updates the bank's credit policy, underwriting guidelines, and loan approval procedures to ensure sound credit risk management practices
Oversees the credit underwriting process for all commercial loans, ensuring compliance with bank policy and regulatory requirements
Reviews and approves commercial loan requests within established authority limits
Chairs the monthly Loan Committee and presents credit recommendations to senior management and the Board of Directors
Ensures all credits are accurately risk-rated using appropriate methodologies and maintains the integrity of the bank's credit risk rating system
Monitors and analyzes the bank's commercial loan and consumer loan portfolios to identify trends, concentrations, and emerging risks
Prepares comprehensive portfolio risk reports for senior management and the Board of Directors
Conducts portfolio stress testing and scenario analysis to assess potential credit losses under various economic conditions
Establishes and monitors key credit metrics, including delinquency rates, criticized and classified assets, and loan-to-value ratios
Provides early warning of deteriorating credit quality and recommends appropriate risk mitigation strategies
Manages the bank's special assets function, including problem loan identification, classification, and resolution
Develops and implements workout strategies for troubled commercial credits
Oversees loan modifications, forbearance agreements, and restructuring efforts
Coordinates with legal counsel on foreclosure actions and collateral liquidation when necessary
Monitors and reports on the status of criticized and classified assets to senior management and the Board
Serves as the primary point of contact for regulatory examiners on all credit-related examination matters
Coordinates responses to examination findings related to credit quality, underwriting, and loan administration
Ensures compliance with all applicable lending laws and regulations, including safety and soundness standards
Maintains current knowledge of regulatory changes affecting commercial lending and credit risk management
Prepares examination-ready documentation and credit files
Supervises and mentors a team of credit analysts responsible for commercial loan analysis and credit memorandum preparation
Provides training and development opportunities to enhance the credit analysis team's technical capabilities
Reviews and approves credit memoranda, financial spreading, and risk rating recommendations prepared by credit analysts
Establishes performance standards and conducts performance evaluations for credit analysis team members
May originate and service commercial loan relationships while maintaining objectivity in credit decisions
Develops and maintains professional relationships within the commercial lending community
Chairs the monthly Loan Committee
Serves on the CRA Committee and other committees as assigned
Promotes and delivers quality internal and external customer service
Develops and nurtures a positive and professional working environment
Complies with all applicable banking laws and regulations, including, but not limited to, the Bank Secrecy Act, USA PATRIOT Act, and related anti-money laundering statutes, and federal consumer protection legislation and regulations
Performs other duties as assigned by the Chief Executive Officer
Qualification
Required
Bachelor's degree in Finance, Accounting, Business Administration, or related field; or equivalent combination of education and experience
Minimum of 10-15 years of progressive credit experience in commercial lending, with at least 5 years in a senior credit role
Extensive experience in commercial real estate (CRE), commercial and industrial (C&I), and construction lending
Strong background in credit underwriting, financial statement analysis, and credit risk assessment
Demonstrated experience in portfolio risk management and regulatory examinations
Comprehensive knowledge of commercial lending products, structures, and documentation
Expert understanding of credit risk analysis, including cash flow analysis, collateral valuation, and financial statement interpretation
Thorough knowledge of banking regulations related to commercial lending, including regulatory loan classifications and reserve requirements
Strong understanding of real estate markets, construction lending, and commercial property valuation
Proficiency in loan portfolio risk management, including concentration risk and stress testing methodologies
Excellent written and verbal communication skills, with the ability to present complex credit issues clearly to senior management and board members
Strong analytical and problem-solving abilities
Demonstrated leadership and team management capabilities
High level of integrity and sound judgment in credit decision-making
Proficiency in loan origination systems, credit analysis software, and Microsoft Office Suite
Preferred
Previous experience managing problem loans and special assets strongly preferred
Mortgage lending experience preferred but not required
May originate and service commercial loan relationships while maintaining objectivity in credit decisions
Develops and maintains professional relationships within the commercial lending community
Benefits
Competitive compensation and benefits commensurate with experience
Company
First Federal Bank of Kansas City
First Federal Bank of Kansas City is headquartered in Missouri.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
J.R. Buckner
President and CEO
Recent News
2025-05-20
2022-08-22
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