Job Description
Cornerstone Bank is a locally owned community bank driven by our mission to serve businesses and the individuals who run them. We use a consultative approach to develop new ideas and build trusted relationships. We pride ourselves on upholding the tradition of personalized, quality service set forth in 2001 by the founders of the bank. At Cornerstone Bank you’ll be an integral part of a team environment.
Working Here Has Its Advantages!
• Competitive wage and attractive benefits package
• Discretionary bonus potential
• Health, dental, and vision insurance (including company contribution), voluntary short-term disability, and company-paid long-term disability, life insurance, and identity theft insurance
• 401(k) retirement plan with company match
• Generous Paid Time Off (PTO) and Holidays, monthly telecommute day
• Opportunities for professional development
• Dress for your Day dress code, Red Fridays (KC Chiefs)/special event days, fitness reimbursement program, paid volunteer program, quarterly birthday events, team-building events, social events, work-life employee assistance program
Join Our Team!
At Cornerstone Bank, we’re committed to bringing passion and customer focus to the business. We are a leader in the financial and community banking industry, providing our clients access to experts who are committed to excellence. We are seeking an experienced and motivated Chief Credit Officer (CCO) responsible for building and maintaining credit quality within the loan portfolio consistent with organizational strategic and financial objectives. The ideal candidate is a self-starter who achieves results through effective leadership and management of the credit team and through collaboration with the President, Chief Lending Officer, and other Lenders. The CCO will define objectives, develop and implement prudent credit policies and practices, deliver management reporting and analysis, and work with other leaders throughout the organization to build a sustainable credit culture. Becoming a member of our team, you will experience Cornerstone Bank as a unique resource for commercial lending where you can be part of something special.
If you have a strong passion for delivering high quality work products and developing strong team relationships, we’d love for you to apply. You will be part of the executive team responsible for meeting corporate goals and maximizing profitability. As the head of the credit team, you will have the opportunity to develop a credit team that contributes to the overall success of the bank. At Cornerstone Bank, we pride ourselves on fostering a collaborative and inclusive work environment. Your new career is waiting, apply with us today!
Duties and Responsibilities:
• Oversees the bank’s loan risk management process to monitor quality control and minimize losses.
• Maintains loan policy and loan procedure to ensure adherence to sound underwriting best practices, laws, and regulations.
• Stays current on banking regulatory changes, monitors industry best practices and economic trends, provides updates to other members of the team, and ensures that current practices and policies are compliant and appropriate to changing conditions.
• Informs the President, Board of Directors, and Loan Committee of any material considerations affecting loan portfolio or policy.
• Develops and oversees the Bank’s internal credit training program, working with credit department staff and external resources. Uses strong management practices to hire, coach and develop the credit team, ensuring that the team remains appropriately staffed.
• Ensures loans are properly documented for covenant compliance as well as safety and soundness (via Loan Operations Department).
• Oversees Impairment Analysis.
• Reviews Loans prior to External Loan Committee meeting.
• Development of loan packets.
• Oversees stress tests.
• Responsible for annual large loan review and annual review of loan policy.
• Leads loan review and trains internal loan review.
• Continues education and/or training sessions, as required.
• Maintains current employee information in the Disaster Recovery Plan.
• Performs other duties as assigned.
Supervisory Responsibilities:
Credit Analysts/Credit Team
Education/Experience:
Bachelor’s degree in Business Administration or Finance, and a minimum of five (5) to seven (7) years of experience performing accounting/finance functions, with at least two (2) to five (5) years of financial institution experience and management experience. Please apply only if you meet these requirements. Meeting the minimum experience requirements will be considered with a Bachelor's degree in an unrelated field.
Ideal Candidate:
• Adheres to the Company’s policies and supports Management decisions and goals in a positive, professional manner.
• Represents Cornerstone Bank with a high level of integrity and professionalism.
• Maintains knowledge and understanding of banking rules, regulations, laws and all policies and procedures pertaining to them including, but not limited to, the Bank Secrecy Act.
• Demonstrates a willingness to adapt to changing business needs and deadlines.
• Possesses a work ethic that includes neatness and punctuality.
• Professional appearance and demeanor.
• Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phone.
• Effective interpersonal skills with the ability to work with individuals and groups at all organizational levels; ability to work independently and as part of a team.
• Takes initiative and prioritizes tasks; good time-management, organizational, problem-prevention and problem-solving skills.
• Excellent analytical and active listening skills.
• Ability to work accurately with close attention to detail.
• Maintains confidentiality of sensitive information.
• Working knowledge of Microsoft Office Suite; familiarity with Fiserv core system and Suntell document imaging/scanning systems is a plus.
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. This is a largely sedentary role and the employee must be able to remain in a stationary position 75% of the time; however, some filing and use of office equipment is required. Continually utilize hand and finger dexterity. Continually utilize visual acuity to operate equipment, read information, and/or use a keyboard. Frequently required to communicate with supervised employees and other departments; must be able to exchange information in these situations. Occasionally required to move about inside the office to access file cabinets, supplies, office machinery, etc. Occasionally required to move items up to 10 pounds.
Emotional Demands:
Ability to maintain regular attendance and be punctual. Ability to complete assigned tasks without direct supervision. Ability to work and sustain attention with distractions and/or interruptions and multitask without loss of efficiency or accuracy. Ability to perform under stress. Ability to interact appropriately with a variety of individuals including customers/clients. Ability to perform in situations requiring speed and deadlines. Ability to work as an integral part of the team.
Work Environment:
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Works in typical bank lobby/office environment on first floor of the building. Continually views a computer monitor and routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Cornerstone Bank is an Equal Opportunity Employer.
#J-18808-Ljbffr
Skills:
Accounting, Analysis Skills, Bank Secrecy Act, Banking Regulations, Banking Services, Best Practices, Business Administration, Business Strategy, Coaching, Commercial Loans, Communication Skills, Community Banking, Copying Machines, Customer Relations, Dental Insurance, Detail Oriented, Disability Insurance, Disaster Recovery, Document Imaging, Establish Priorities, Fax Machines, Finance, Financial Strategy, Fitness, Insurance, Interpersonal Skills, Keyboards, Leadership, Life Insurance, Loan Documents, Loan Operations, Loan Policy, Loan Portfolio, Loan Review, Loan Structuring, Loans, Management Reporting, Microsoft Office, Monitor Regulations, Multitasking, Office Equipment, People Management, Photocopy, Physical Demands, Policy Implementation, Presentation/Verbal Skills, Problem Solving Skills, Procedure Implementation, Profit & Loss, Quality Control, Quality Management, Quality Monitoring, Regulations, Reimbursement, Risk Management, Stress Testing, Team Lead/Manager, Team Player, Time Management, Training Program, Underwriting, Vision Plan, Writing Skills
About the Company:
Cornerstone Bank
Working Here Has Its Advantages!
• Competitive wage and attractive benefits package
• Discretionary bonus potential
• Health, dental, and vision insurance (including company contribution), voluntary short-term disability, and company-paid long-term disability, life insurance, and identity theft insurance
• 401(k) retirement plan with company match
• Generous Paid Time Off (PTO) and Holidays, monthly telecommute day
• Opportunities for professional development
• Dress for your Day dress code, Red Fridays (KC Chiefs)/special event days, fitness reimbursement program, paid volunteer program, quarterly birthday events, team-building events, social events, work-life employee assistance program
Join Our Team!
At Cornerstone Bank, we’re committed to bringing passion and customer focus to the business. We are a leader in the financial and community banking industry, providing our clients access to experts who are committed to excellence. We are seeking an experienced and motivated Chief Credit Officer (CCO) responsible for building and maintaining credit quality within the loan portfolio consistent with organizational strategic and financial objectives. The ideal candidate is a self-starter who achieves results through effective leadership and management of the credit team and through collaboration with the President, Chief Lending Officer, and other Lenders. The CCO will define objectives, develop and implement prudent credit policies and practices, deliver management reporting and analysis, and work with other leaders throughout the organization to build a sustainable credit culture. Becoming a member of our team, you will experience Cornerstone Bank as a unique resource for commercial lending where you can be part of something special.
If you have a strong passion for delivering high quality work products and developing strong team relationships, we’d love for you to apply. You will be part of the executive team responsible for meeting corporate goals and maximizing profitability. As the head of the credit team, you will have the opportunity to develop a credit team that contributes to the overall success of the bank. At Cornerstone Bank, we pride ourselves on fostering a collaborative and inclusive work environment. Your new career is waiting, apply with us today!
Duties and Responsibilities:
• Oversees the bank’s loan risk management process to monitor quality control and minimize losses.
• Maintains loan policy and loan procedure to ensure adherence to sound underwriting best practices, laws, and regulations.
• Stays current on banking regulatory changes, monitors industry best practices and economic trends, provides updates to other members of the team, and ensures that current practices and policies are compliant and appropriate to changing conditions.
• Informs the President, Board of Directors, and Loan Committee of any material considerations affecting loan portfolio or policy.
• Develops and oversees the Bank’s internal credit training program, working with credit department staff and external resources. Uses strong management practices to hire, coach and develop the credit team, ensuring that the team remains appropriately staffed.
• Ensures loans are properly documented for covenant compliance as well as safety and soundness (via Loan Operations Department).
• Oversees Impairment Analysis.
• Reviews Loans prior to External Loan Committee meeting.
• Development of loan packets.
• Oversees stress tests.
• Responsible for annual large loan review and annual review of loan policy.
• Leads loan review and trains internal loan review.
• Continues education and/or training sessions, as required.
• Maintains current employee information in the Disaster Recovery Plan.
• Performs other duties as assigned.
Supervisory Responsibilities:
Credit Analysts/Credit Team
Education/Experience:
Bachelor’s degree in Business Administration or Finance, and a minimum of five (5) to seven (7) years of experience performing accounting/finance functions, with at least two (2) to five (5) years of financial institution experience and management experience. Please apply only if you meet these requirements. Meeting the minimum experience requirements will be considered with a Bachelor's degree in an unrelated field.
Ideal Candidate:
• Adheres to the Company’s policies and supports Management decisions and goals in a positive, professional manner.
• Represents Cornerstone Bank with a high level of integrity and professionalism.
• Maintains knowledge and understanding of banking rules, regulations, laws and all policies and procedures pertaining to them including, but not limited to, the Bank Secrecy Act.
• Demonstrates a willingness to adapt to changing business needs and deadlines.
• Possesses a work ethic that includes neatness and punctuality.
• Professional appearance and demeanor.
• Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phone.
• Effective interpersonal skills with the ability to work with individuals and groups at all organizational levels; ability to work independently and as part of a team.
• Takes initiative and prioritizes tasks; good time-management, organizational, problem-prevention and problem-solving skills.
• Excellent analytical and active listening skills.
• Ability to work accurately with close attention to detail.
• Maintains confidentiality of sensitive information.
• Working knowledge of Microsoft Office Suite; familiarity with Fiserv core system and Suntell document imaging/scanning systems is a plus.
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. This is a largely sedentary role and the employee must be able to remain in a stationary position 75% of the time; however, some filing and use of office equipment is required. Continually utilize hand and finger dexterity. Continually utilize visual acuity to operate equipment, read information, and/or use a keyboard. Frequently required to communicate with supervised employees and other departments; must be able to exchange information in these situations. Occasionally required to move about inside the office to access file cabinets, supplies, office machinery, etc. Occasionally required to move items up to 10 pounds.
Emotional Demands:
Ability to maintain regular attendance and be punctual. Ability to complete assigned tasks without direct supervision. Ability to work and sustain attention with distractions and/or interruptions and multitask without loss of efficiency or accuracy. Ability to perform under stress. Ability to interact appropriately with a variety of individuals including customers/clients. Ability to perform in situations requiring speed and deadlines. Ability to work as an integral part of the team.
Work Environment:
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Works in typical bank lobby/office environment on first floor of the building. Continually views a computer monitor and routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Cornerstone Bank is an Equal Opportunity Employer.
#J-18808-Ljbffr
Skills:
Accounting, Analysis Skills, Bank Secrecy Act, Banking Regulations, Banking Services, Best Practices, Business Administration, Business Strategy, Coaching, Commercial Loans, Communication Skills, Community Banking, Copying Machines, Customer Relations, Dental Insurance, Detail Oriented, Disability Insurance, Disaster Recovery, Document Imaging, Establish Priorities, Fax Machines, Finance, Financial Strategy, Fitness, Insurance, Interpersonal Skills, Keyboards, Leadership, Life Insurance, Loan Documents, Loan Operations, Loan Policy, Loan Portfolio, Loan Review, Loan Structuring, Loans, Management Reporting, Microsoft Office, Monitor Regulations, Multitasking, Office Equipment, People Management, Photocopy, Physical Demands, Policy Implementation, Presentation/Verbal Skills, Problem Solving Skills, Procedure Implementation, Profit & Loss, Quality Control, Quality Management, Quality Monitoring, Regulations, Reimbursement, Risk Management, Stress Testing, Team Lead/Manager, Team Player, Time Management, Training Program, Underwriting, Vision Plan, Writing Skills
About the Company:
Cornerstone Bank
💡 Quick Summary
Seeking a career-building opportunity? The Chief Credit Officer position is now open for candidates interested in the Bank Jobs sector. This role in Kansas City offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
