Chief Credit Officer

About The Role

Summary

The Chief Credit Officer (CCO) is a key member of the Bank's Senior Management Team and is responsible for the strategic leadership, administration, and overall performance of the Bank's credit function. Reporting directly to the President/CEO, the CCO provides executive oversight of credit risk management, asset quality, loan portfolio performance, credit administration, lending policies, and regulatory compliance. The CCO works closely with the Chief Lending Officer, Executive Management Team, Board of Directors, and Glacier Bancorp Credit Administration to ensure the Bank maintains a safe, sound, and profitable loan portfolio while supporting strategic growth objectives.

This position is responsible for overseeing the quality and performance of the commercial loan portfolio, ensuring adherence to established lending policies and sound credit practices, and providing leadership and development for commercial lending and credit administration personnel. The CCO fosters strong business and community relationships, promotes a culture of accountability and exceptional customer service, and collaborates across the organization to support the Bank's mission and strategic goals. Due to the collaborative and leadership nature of this position, regular in-person presence is required to effectively lead credit operations, support lending teams, and maintain strong internal and external relationships.

Essential Functions:

• Serve as the Bank's Senior Credit Officer and represent the Bank on Glacier Bancorp, Inc. credit-related committees, serving as CCB's designated voting member as required.
• Serve as the primary credit liaison to the CCB Board of Directors and Executive Management Team.
• Provide strategic leadership and oversight for the Bank's credit administration function, including credit quality, portfolio management, loan review findings, non-performing assets, past due loans, and risk mitigation efforts.
• Recommend, develop, and implement credit policies, procedures, and organizational strategies that align with Bank objectives and Glacier Bancorp standards.
• Chair or actively participate in key credit committees, including the Senior Loan Committee and Board Loan Committee, ensuring sound credit decisions and adherence to established risk tolerances.
• Oversee the quality and performance of the Bank's commercial and consumer loan portfolios, ensuring compliance with established credit standards, lending authority limits, and regulatory requirements.
• Monitor market and portfolio trends, identify emerging credit risks, and implement strategies to protect asset quality and support sustainable growth.
• Collaborate with lending leadership to establish goals, drive portfolio growth, and maintain appropriate risk-adjusted returns.
• Assist in the development and management of departmental budgets, strategic plans, and performance objectives.
• Foster effective communication and collaboration among lending, credit administration, branch, and operational teams to ensure efficient and consistent delivery of services.
• Build and maintain strong relationships with customers, business leaders, community organizations, and governmental agencies while serving as a visible representative of the Bank.
• Lead teams through organizational growth and change by fostering accountability, engagement, and a positive workplace culture.
• Delegate authority appropriately while maintaining accountability for departmental performance and results.
• Support and advance departmental, divisional, and organizational strategic initiatives.

Additional Responsibilities:

• Participate in community service and Bank-sponsored activities that support the mission and values of CCB.
• Provide exceptional service to both internal and external customers through professionalism, responsiveness, and a commitment to excellence.
• Complete required training programs and maintain knowledge of applicable banking regulations, policies, and industry best practices.
• Ensure compliance with all applicable laws, regulations, and Bank policies, including but not limited to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) requirements, Office of Foreign Assets Control (OFAC), and Customer Identification Program (CIP) requirements.
• Maintain the highest standards of professionalism, confidentiality, integrity, accountability, and ethical conduct.
• Demonstrate flexibility and adaptability in meeting the evolving needs of the Bank, its customers, and its employees.
• Strong problem-solving and organizational abilities; able to manage multiple priorities effectively.

About You

QUALIFICATIONS:

• Minimum of ten years of credit-related experience in the banking industry is required.
• Bachelor's Degree is required.
• A post graduate degree (similar to a CPA, or MBA) preferred.
• Working knowledge of Microsoft Office.
• Ability to understand and follow written and oral instructions.
• Ability to communicate effectively verbally and in writing.
• Ability to establish and maintain effective working relationships with peers and supervisors.
• Maintain regular, reliable, and predictable attendance.
• This position requires regular on-site attendance and in-person engagement to effectively lead credit operations, collaborate with executive leadership and lending teams, and fulfill the essential responsibilities of the role.

WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

What We Offer

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. Check it out!