Brian McCarthy
Dublin
Summary
Accomplished banking professional with extensive experience in credit risk frameworks and strategic oversight. Known for effective communication with stakeholders and the ability to lead large teams to optimize credit operations and enhance portfolio performance.
Overview
40
40
years of professional experience
Work History
Chief Lending Officer
Northwest Bank
Columbus, OH
01.2026 - Current
- Direct report to Chief Executive Officer and member of Executive Leadership Team
- Management oversight of critical 1st Line of Defense functions including credit underwriting, portfolio management, credit approval and loan operations.
- Direct reports include Executive Directors of Credit Management and Senior Credit Officers overseeing CRE, Middle Market, C&I and SBA portfolios. Reporting line roll-up totaling 150 FTEs.
- Directed strategic initiative to convert risk rating infrastructure to Moodys Credit Lens, enhancing risk assessment through the application of PD and LGD methodology.
- Chairman of Senior Loan Committee.
Deputy Chief Credit Officer
Northwest Bank
Columbus, OH
09.2022 - 01.2026
- Management oversight of Credit Officers and Credit Administrators.
- Primary author and owner of commercial credit and risk policies.
- Accountable for portfolio level risk management for all commercial lines of business.
- Member of Senior Loan Committee and Credit Risk Committee.
Chief Credit Officer
Stearns Bank
Saint Cloud, MN
01.2021 - 09.2022
- Management oversight of underwriting and credit approval processes for commercial real estate, SBA, and equipment finance portfolios.
- Held highest level of signature approval authority.
- Oversaw credit reporting functions with the Board of Directors.
Deputy Chief Credit Officer
Heartland Financial USA Inc.
Dubuque, IA
08.2013 - 01.2021
- Management oversight of credit underwriting and portfolio management functions covering C&I, CRE, SBA, Small Business, Agriculture and consumer portfolios.
- Direct reports included credit officers, underwriting managers and system administrators.
- Reporting line roll-up exceeded 100 FTE's.
- Chairman of Executive Loan Committee.
Chief Credit Officer
Brotherhood Bank & Trust
Kansas City, KS
07.2008 - 08.2013
Market President
Security Savings Bank
Olathe, KS
03.2007 - 06.2008
Market Executive
LaSalle Bank
Kansas City, MO
06.2004 - 03.2007
Senior Vice President
Country Club Bank and Trust
Kansas City, MO
04.2000 - 06.2004
Market President
Mercantile Bank & Trust
Kansas City, MO
10.1990 - 04.2000
Commercial Lending Officer
Boatmen's First National Bank
Kansas City, MO
07.1986 - 10.1990
Education
Bachelor of Arts - Economics
University of Notre Dame
South Bend, IN05-1986
Skills
- Exercising credit approval authority
- Management of Director level staff
- Credit structuring across diverse portfolios
- Development of credit policies and underwriting guidelines
- Operating in credit risk framework using PD and LGD models
- Communications with Board of Directors and bank regulators
- Establishment of efficient workflow processes with emphasis on productivity gains and expense management
- Defining and enforcing service level agreements supporting credit origination functions
Timeline
Chief Lending Officer
Northwest Bank
01.2026 - Current
Deputy Chief Credit Officer
Northwest Bank
09.2022 - 01.2026
Chief Credit Officer
Stearns Bank
01.2021 - 09.2022
Deputy Chief Credit Officer
Heartland Financial USA Inc.
08.2013 - 01.2021
Chief Credit Officer
Brotherhood Bank & Trust
07.2008 - 08.2013
Market President
Security Savings Bank
03.2007 - 06.2008
Market Executive
LaSalle Bank
06.2004 - 03.2007
Senior Vice President
Country Club Bank and Trust
04.2000 - 06.2004
Market President
Mercantile Bank & Trust
10.1990 - 04.2000
Commercial Lending Officer
Boatmen's First National Bank
07.1986 - 10.1990
Bachelor of Arts - Economics
University of Notre Dame