Deputy Chief Credit Officer

Job description

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Base pay range

$275,000.00/yr - $300,000.00/yr

Additional compensation types

Annual Bonus and Stock options

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Position Summary

The Deputy Chief Credit Officer (DCCO) plays a key leadership role in overseeing commercial credit risk across the organization. Reporting to the Chief Credit Officer, this individual ensures sound credit practices, supports strategic business growth within acceptable risk limits, and maintains a high-quality credit portfolio. The role involves oversight of credit teams, shaping risk policies, and ensuring regulatory compliance. A flexible work arrangement allows for one remote day per week.

Key Responsibilities

Collaborate with lending teams to maintain a balance between responsible growth and credit risk tolerance, particularly in commercial real estate and business lending.

Lead credit underwriting teams in producing in-depth risk assessments and accurate credit documentation aligned with internal standards.

Participate in credit committees and strategic discussions to ensure risk-aligned lending decisions.

Monitor credit exposure, portfolio health, and risk concentrations, while identifying early warning signals.

Oversee internal credit reviews and ensure accurate risk ratings are applied consistently.

Contribute to stress testing and risk reporting efforts across various segments.

Mentor credit and lending staff, promoting consistency with internal risk policies and regulatory expectations.

Support talent evaluation and performance management within the credit division.

Lead strategic credit-related projects and cross-functional initiatives.

Interface with regulators and auditors on matters related to credit risk oversight.

Define and track performance metrics tied to customer outcomes and credit effectiveness.

Support the adoption of technology and data-driven tools to modernize credit operations.

Engage senior leadership to champion strategic credit initiatives.

Stay informed on industry trends and apply emerging practices to drive innovation and continuous improvement.

Qualifications

15+ years of experience in commercial lending or credit risk, preferably including healthcare or specialized asset classes.

Deep expertise in structuring complex credit deals and managing significant loan exposures.

Proven track record in credit-intensive roles within regulated environments.

Strong understanding of covenant design, loan documentation, and risk-based decision-making.

Effective leadership and mentoring skills, with experience managing multiple credit teams.

Strategic mindset, with the ability to introduce innovation and drive operational efficiency.

Exceptional communication, analytical, and interpersonal abilities.

Familiarity with credit models, risk frameworks, and regulatory requirements.

Comfortable making high-impact decisions under pressure and with limited guidance.

Seniority level

Seniority level

Executive

Employment type

Employment type

Full-time

Job function

Job function

Finance

Industries

Banking

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Worksite address

new york, NY, 10261, US

Who can apply

Review the original listing for work authorization, qualifications and employer requirements.