Deputy Chief Credit Officer

Company: American Bank & Trust
Location: Harrisburg
Posted on: April 1, 2026

Job Description:

PRIMARY RESPONSIBILITIES AND ACCOUNTABLILIES: (90%) Supports the Chief Credit Officer in formulating, executing, and upholding robust lending practices, procedures, and policies that foster a strong credit culture and ensures the safety, soundness, and quality of the bank’s loan portfolio. Participates in the loan approval processes, including reviewing and decisioning large, complex commercial and agricultural credit requests within delegated lending authority. Serves as a delegate to various loan committees as needed. Works collaboratively with lending staff to evaluate borrowers’ loan applications, financial statements, cash flows and collateral values to determine suitable loan terms, pricing, and structures that align with the bank’s lending standards and growth objectives. Acts as the primary person responsible for managing the bank’s portfolio of distressed, adversely classified, non-performing, and charged-off loans. Develops and executes loan workout plans while effectively managing communications with borrowers, guarantors, and relevant third parties, to rehabilitate viable credits or maximize recovery on non-viable credits while balancing community reputation and relationship considerations. Coordinates legal processes and collection efforts in order to minimize losses to the bank. Ensures all loan workout and collection actions comply with regulatory requirements, bank policies, and legal standards; maintains thorough documentation for examinations and audits. Recommends and oversees charge-offs, recoveries, and Allowance for Credit Losses (ACL) adjustments related to the special assets portfolio. Supports proactive loan monitoring and assists with internal loan review processes, credit quality reporting, and preparation of reports for the Chief Credit Officer and regulatory examinations. SECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES: (10%) Represents Bank in industry and professional associations, community organizations, local business groups, etc., and promotes Bank's favorable image. Remains knowledgeable and abreast of guaranteed government loan programs and other conventional financing programs available to customers. Maintain knowledge of current economic and industry conditions that are relevant to the credit portfolio of the bank. Help in identifying, developing, and soliciting new business opportunities, including referrals of all bank products. Other duties as may be assigned. ROLE QUALIFICATIONS: Education Bachelor’s degree in Business Administration, Finance or Accounting, or equivalent combination of education and experience Experience 8-12 years of progressive experience in commercial and agricultural lending, credit analysis, or credit administration, with at least 5 years in a supervisory or senior credit role at a community bank or similar financial institution. 8 years of loan workout experience Proven ability to analyze financial statements, assess credit risk, and make sound credit decisions. Strong knowledge of commercial, real estate, agricultural, and consumer lending; familiar with SBA, USDA, or other government-guaranteed programs. Deep understanding of bank regulations and risk management best practices. Other Skills and Abilities Experience in a community banking environment, emphasizing relationship banking and local market knowledge. Excellent interpersonal and communication skills, both written and verbal, with strong negotiation skills Strong attention to detail and problem-solving ability Ability to interact with customers and employees with tact, diplomacy, and confidentiality. Resourceful, innovative, and well organized High ethical standards Comprehensiveness PERFORMANCE MEASURES: Meets or exceeds annual goals as pre-established by the CEO that are aligned with the strategic plan. Compliance with regulatory requirements Meets or exceeds all training requirements. Proactively promotes and develops new customer relationships using the referral system. WORKING CONDITIONS: Work is performed largely within the Bank with limited chance for personal injury. Frequent travel will be required in order to fulfill the duties of the role. Prolonged and frequent mental and visual concentration required. Periodic stressful situations in response to multiple priorities within established deadlines. Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees. Occasional out-of-town and overnight business travel may be required. Work on some Saturdays will be required. Must be able to lift and move up to 20 pounds of office supplies and equipment. Some bending, turning, and twisting required. GENERAL NOTICE: This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability. This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.

Keywords: American Bank & Trust, Sioux City , Deputy Chief Credit Officer, Accounting, Auditing , Harrisburg, Iowa