Chief Credit Officer
Leawood, KS
Full Time
Executive Administration
Executive

First Federal Bank of Kansas City is one of the largest mutually owned banks in the Midwest and has been a strong banking and lending partner to families in Kansas and Missouri for decades. We are a community-oriented, culture-focused, progress-driven Family on a mission to help people, businesses and communities build a better financial future.

At First Federal, you’ll be supported by diverse, talented, energetic individuals moving toward a common vision of prosperity and a home for all. You’ll have boundless opportunities for growth – whether it’s personal or professional development to reach your career goals, company events to strengthen your connections, or volunteer work to champion our community partners.

Your success is our success. When our employees feel valued, our customers feel valued, and our community grows.

Hear what our team members have to say: https://www.youtube.com/watch?v=GNPKmutbydo

POSITION SUMMARY:
Responsible for the leadership and oversight of the bank's credit risk management function, including commercial and consumer loan underwriting, credit policy administration, portfolio risk analysis, and special assets management. Provides expert credit analysis and risk assessment for commercial real estate, commercial and industrial, and construction lending. Ensures all credits are originated, monitored, and managed in compliance with the bank's underwriting guidelines and applicable federal and state regulations.

WHAT YOU'LL DO:
Credit Policy & Underwriting

  • 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.

Portfolio Risk Management

  • 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.
Special Assets and Problem Loan Management
  • 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.
Regulatory Compliance and Examinations
  • 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.
Credit Analysis Team Supervision
  • 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.
Business Development (Optional)
  • May originate and service commercial loan relationships while maintaining objectivity in credit decisions.
  • Develops and maintains professional relationships within the commercial lending community.
Committee Participation
  • Chairs the monthly Loan Committee.
  • Serves on the CRA Committee and other committees as assigned.
General Responsibilities
  • 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.

WHAT YOU BRING:
Education and Experience

  • 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.
  • Previous experience managing problem loans and special assets strongly preferred.
  • Mortgage lending experience preferred but not required.
Required Knowledge and Skills
  • 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.
WHAT THIS ROLE OFFERS:
  • Executive leadership role with direct access to the CEO and Board of Directors
  • Opportunity to shape credit strategy and risk culture at a mission-driven community bank
  • Collaborative, values-based environment focused on long-term success
  • Competitive compensation and benefits commensurate with experience

Apply now if you're ready to lead with both head and heart, to make decisions that create lasting value, and invest your expertise in something bigger than quarterly metrics! The right Chief Credit Officer doesn't just manage our risk - they help us fulfill our mission.

Note: The purpose of this document is to provide a general summary of essential responsibilities and requirements for the position and is not meant as an exhaustive list.

First Federal actively seeks to recruit and hire protected veterans.

First Federal Bank is committed to providing equal employment opportunities to all people without regard to race, color, religion, national origin, ancestry, marital status, veteran status, age, disability, pregnancy, genetic information, citizenship status, sex, sexual orientation, gender identity, or any other legally protected category.

Apply for this position

* Required fields
First name*
Last name*
Email address*
Location *
Phone number*
Resume*

Attach resume or Paste resume

Attach resume as .pdf, .doc, .docx, .odt, .txt, or .rtf (limit 5MB) or paste resume

Paste your resume here or attach resume file

Cover Letter
Who referred you to this position? Enter their first and last name here.
Are you willing to relocate?*
What’s your citizenship / employment eligibility?*
What’s your highest level of education completed?*
College or University
Are you 18 years of age or older?*
What languages do you speak fluently?
Desired salary*
Earliest start date?
Are you looking for full-time or part-time employment?*
How were you referred to us?*
Do you have any friends or family that work here?*
May we contact your current employer?*
Identify any previous employer(s) you do not wish us to contact.
Have you ever been discharged or asked to resign from a job?*
If yes, please explain:
Please explain any gaps in work history:
REFERENCES
Please list the name, relationship and phone number of at least two work related references, excluding relatives.*
CERTIFICATION AND ASSENT
I hereby certify that the statements I have made are true and complete and authorize First Federal Bank of Kansas City and/or it's representative ACS Data Search, to verify their accuracy and to obtain reference information on my work performance by contacting references, previous employers, schools, etc. I hereby release First Federal Bank of Kansas City and/or it's representative ACS Data Search from any/all liability of whatever kind and nature, which, at any time, could result from obtaining and having an employment decision based on such information. I understand that if I am subsequently employed by you, falsified statements of any kind or omissions of facts called for on this application shall be considered sufficient basis for immediate discharge.

I authorize any pre-employment testing. I agree to a physical examination by a doctor of the Bank's choice at any time including drug screening. I understand all job offers will be contingent upon a satisfactory drug screen for illegal drugs.

I also understand that employment and continued employment may be conditional upon securing and retaining a surety bond, issued by a company selected by the Bank. I understand that should an employment offer be extended to me and accepted that I will fully adhere to the policies, rules and regulations of employment of the Bank.

I understand that neither this application nor any offer of employment from the employer constitute an employment contract. I further understand that if employed, my employment shall be "at will" and can be terminated at any time by either party with or without cause or advance notice and that no statements to the contrary from the company are binding except for statements in writing from the President or other appropriate official.

I hereby acknowledge that I have read the above statements and understand/assent the same.

Signature (type name):*
Date signed:*
AUTHORIZATION TO OBTAIN CREDIT REPORT INFORMATION FROM AN OUTSIDE SOURCE
I hereby consent to First Federal Bank of Kansas City and it's representative ACS Data Search procuring or causing to be procured an "Investigative Consumer Report" which may be compiled from credit reports and personal interviews with my neighbors, friends, associates, or others as to my character, general reputation, personal characteristics, or mode of living as part of the pre-employment background investigation and for employment purposes at any time during my employment. I am aware that I have the right to make a written request within a reasonable time to receive additional detailed information as to the nature and scope of the investigation.

I hereby acknowledge that I have read and understand the above agreement.

Signature (type name):*
Date signed:*
The following questions are entirely optional.
To comply with government Equal Employment Opportunity and/or Affirmative Action reporting regulations, we are requesting (but NOT requiring) that you enter this personal data. This information will not be used in connection with any employment decisions, and will be used solely as permitted by state and federal law. Your voluntary cooperation would be appreciated. Learn more.
Gender
Race/Ethnicity
Invitation for Job Applicants to Self-Identify as a U.S. Veteran
  • A “disabled veteran” is one of the following:
    • a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or
    • a person who was discharged or released from active duty because of a service-connected disability.
  • A “recently separated veteran” means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.
  • An “active duty wartime or campaign badge veteran” means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.
  • An “Armed forces service medal veteran” means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.
Veteran status
I IDENTIFY AS ONE OR MORE OF THE CLASSIFICATIONS OF PROTECTED VETERAN LISTED ABOVE
I AM NOT A PROTECTED VETERAN
I DON’T WISH TO ANSWER
Voluntary Self-Identification of Disability
Voluntary Self-Identification of Disability Form CC-305
OMB Control Number 1250-0005
Expires 04/30/2026
Why are you being asked to complete this form?

We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years.

Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

How do you know if you have a disability?

A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to:

  • Alcohol or other substance use disorder (not currently using drugs illegally)
  • Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS
  • Blind or low vision
  • Cancer (past or present)
  • Cardiovascular or heart disease
  • Celiac disease
  • Cerebral palsy
  • Deaf or serious difficulty hearing
  • Diabetes
  • Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders
  • Epilepsy or other seizure disorder
  • Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome
  • Intellectual or developmental disability
  • Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD
  • Missing limbs or partially missing limbs
  • Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports
  • Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS)
  • Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities
  • Partial or complete paralysis (any cause)
  • Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema
  • Short stature (dwarfism)
  • Traumatic brain injury
Please check one of the boxes below:
YES, I HAVE A DISABILITY, OR HAVE HAD ONE IN THE PAST
NO, I DO NOT HAVE A DISABILITY AND HAVE NOT HAD ONE IN THE PAST
I DO NOT WANT TO ANSWER

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.

Name Date
Human Check*