Chief Credit Officer

We are changing FINANCE to finance CHANGE! At  Climate First Bank , we’re redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans—all designed to power a better future. We’re proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking. With branches in  St. Petersburg, Winter Park, Mount Dora , and a growing  digital presence , we’re proving that banking can be a force for good. We don’t just support environmental and social causes—we’re built on them. Under our Holding Company,  Climate First Bancorp , we are also powered by OneEthos.  OneEthos  operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools—especially in climate finance and solar lending. Join the Movement We’re seeking  driven, mission-aligned  individuals ready to make an impact. If you’re passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home. Our team is one of  goal-setters, go-getters, problem solvers, thought leaders, and changemakers . We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality. Thrive at Climate First Bank At Climate First Bank, we’re investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance. Please note that benefit eligibility varies by employment status and that benefits for part-time employees may differ from those listed below. Compensation   —  In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors. Health Coverage  —  100% employer-paid for employees; employer contribution for dependents by Us Medical, Dental & Vision Insurance  Health Savings Account (HSA)  Free Telemedicine access via Teladoc   Financial Wellness & Wealth Building 401(k) with 6% Employer Match —  No Vesting Period. Employee Stock Options  Exclusive Employee Banking Perks  0% Financing for Employee Solar Loans  Employee Only Mortgage Product  with exclusive interest rates and terms. 0% Financing for Eligible Electric Vehicles (EVs)  Referral Incentives  Generous Paid Time Off 2–4 Weeks of Vacation  based on officer level plus additional tenure-based time. 64 Hours of Paid Sick Time  for all full-time employees. Protection & Peace of Mind Company-Paid Life Insurance  Short- & Long-Term Disability Insurance Voluntary Life, Accident & Critical Illness Coverage   Employee Assistance Program (EAP)  with free counseling, legal, and financial services. Now Hiring: Chief Credit Officer (CCO) We’re seeking a  Chief Credit Officer  to be   responsible for overseeing the credit risk management and lending operations of the bank. You'll ensure that the bank's credit policies and procedures are effectively implemented to maintain a high-quality loan portfolio while supporting the bank's growth objectives. This role involves strategic planning, leadership, and collaboration with other senior executives to achieve the bank's financial goals. What You’ll Contribute as the CCO Credit Risk & Loan Portfolio Management Develop and implement comprehensive credit risk management strategies. Minimize potential losses and ensure compliance with regulatory requirements. Oversee the bank's loan portfolio ensuring proper diversification and risk mitigation. Policy Development & Credit Approval Process Create, review, and update credit policies and procedures. Lead the credit approval process. Team Leadership, Stakeholder Engagement, & Strategic Planning Manage/mentor the credit team, fostering a culture of excellence, accountability, and continuous improvement. Collaborate with all stakeholders to support the bank's mission and objectives. Contribute to the bank's strategic planning process. Regulatory Compliance, Reporting & Analysis Ensure adherence to all relevant banking regulations and guidelines. Provide regular reports and analysis to executives and board of directors on the performance and risk profile of the loan portfolio. Champion Our Mission, Protect What Matters Embody a commitment to environmental, social, economic, and racial justice. Apply curiosity and interest in our core values and pursue education related to sustainability practices. Pursue and demonstrate an understanding of established Bank policies, procedures, and regulations. Recognize the importance of protecting the organization and our customers. Stay informed on legal context and regulatory requirements; prioritize completing all web-based compliance and IT training. What You’ll Leverage in this Role: Experience & Education Bachelor’s degree in Business, Finance or related field. 10+ years of experience in Credit Operations and Commercial Lending. Preferably at a community bank. 5+ years of experience leading diverse teams including staff and middle management. Ability to direct, grow and develop teams and individuals. Entrepreneurial Self-Starter Mentality -  You take charge of your work product and take pride in delivering consistently great and measurable results. You can think and act strategically, with an exceptional abili