The primary objective of the Chief Credit Officer is to be wholly responsible for the asset quality performance of Tower Community Bank. In addition, the Chief Credit Officer is to be fully engaged in the Senior Management Team in directing the operation of Tower Community Bank and delivering upon the strategic directives as set forth by the Board of Directors.
Tower Community Bank Loan Committee package preparation.
Maintaining asset quality measurement parameters and reports.
Maintain Tower Community Bank’s lending policies.
Maintain knowledge base on external credit risks and changes in external credit risks.
Act as a communication outlet between credit administration and Senior Management members and lending teams.
Assist in researching credit portfolios that may be a part of a merger/acquisition.
Learn corporate structure of Tower Community Bank including but not limited to organization chart and operational structure and departments.
Develop understanding of workflow within the Tower Community Bank operating model.
Develop understanding of Tower Community Bank’s history and brand and maintain that brand.
Primary liaison between FDIC/TDFI and other regulatory agencies
Maintain an active portfolio of loans including but not limited to participations or other alternative asset classes.
Help identify target markets and loan growth strategies in those markets.
Work with operations to maintain acceptable loan operation standards and benchmarks.
A Note about the location of this role: there is not currently a relocation budget available for this opportunity. Please be sure that you are in the Chattanooga (or surrounding) area when applying for the role.
Tower Community Bank's mission statement is to provide financial solutions, creating partnerships with our customers that make our communities better places to live, work, and raise a family.
In 1970, President and co-founder Robert R. Thomas said founded a bank on the following principle for "a strong independent bank subservient to the needs of this community is an asset we can all share. Tower Community Bank, originally located in South Pittsburg, TN was organized to serve the working people in the community at a time when out-of-town bank ownership was just beginning to be common. The number of banks with no direct connection to the area has multiplied, but Tower Community Bank understands what it means to be part of the communities it serves. The organizers felt the community needed a bank completely dependent on the economic health of that community it serves, where money deposited at home could be loaned at home, putting the average wage earner and small business on the same level as a large corporation. Today, as we progress into a new century, Tower is still dedicated to this mandate and is proud to be a strong independent bank that thinks differently and is always working harder for you, our customer, to deliver an experience that exceeds your expectations.