Position Summary

The Chief Credit Officer (CCO) – Commercial Lending is responsible for establishing and overseeing the credit risk management framework for the commercial lending portfolio. The CCO provides strategic leadership for credit underwriting, portfolio management, credit policy, risk governance, and loan administration while ensuring the organization maintains a balanced approach between growth, profitability, and risk management.

The role serves as the senior executive responsible for the quality, performance, and integrity of the commercial credit portfolio and plays a critical role in protecting the institution's asset quality and capital position.

Key Responsibilities

Credit Strategy & Governance

Develop and implement the organization's commercial credit strategy aligned with overall business objectives.

Establish and maintain credit risk appetite, lending standards, and credit governance frameworks.

Lead the development and periodic review of credit policies, procedures, and underwriting guidelines.





Ensure consistency in credit decision-making across all lending segments.

Provide independent credit oversight and challenge to business line decisions.

Commercial Credit Risk Management

Oversee credit risk across commercial lending portfolios, including:

Commercial & Industrial (C&I;) Lending

Commercial Real Estate (CRE)

Corporate Banking

Middle Market Lending

Small Business Lending

Specialized Industry Lending

Syndicated and Structured Finance Transactions

Monitor portfolio quality, concentrations, and emerging credit risks.

Implement risk mitigation strategies and portfolio diversification initiatives.

Conduct stress testing and scenario analysis on lending portfolios.

Credit Underwriting & Approval

Oversee commercial underwriting standards and credit approval processes.

Chair or participate in senior credit committees.

Review and approve large, complex, or high-risk lending transactions.

Ensure robust financial analysis, risk

📌 Chief Credit Officer (Trinitat)
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📍 Trinitat