Jon Kicklighter

Experience

1. Chief Credit Officer

   United Leasing & Finance

   Apr 2025 — Present · Evanville, IN, US

   Lead the end-to-end credit analysis process, aligning with industry best practices and internal policy frameworks. Partnering closely with executive leadership—including the CEO & Executive Chairman.Drive continuous policy refinement, ensuring all credit analysis procedures and departmental workflows are current, effective, and strategically aligned. Steer quarterly risk assessments across top industry segments, analyzing economic and sector-specific trends to inform proactive portfolio management. Oversee covenant compliance, implementing robust tracking and reporting mechanisms, with direct communication of any breaches to the executive team.Champion a disciplined approach to risk rating and portfolio review processes, ensuring all significant exposures are accurately rated and systematically managed.Actively engage in credit workouts and portfolio recovery efforts, working in tandem with executive stakeholders and the Director of Special Assets. Strengthen the credit competency across the organization by mentoring Corporate Account Executives and ensuring credit officers meet or exceed performance and testing standards.Manage consumer credit purchasing operations, regularly benchmarking practices against industry standards to preserve quality and compliance. Oversee the syndication function, including relationship management, production tracking, and buy/sell-side strategy execution.Develop and lead a high-performance team, fostering accountability, professional growth, and continuous learning through structured training, performance evaluations, and leadership development initiatives.Commit to a culture of excellence, continuous improvement, and customer-centric service. Actively support the organization\'s mission, vision, and core values through daily actions, strategic initiatives, and collaborative leadership.

Skills

• Commercial Banking
• Small Business Lending
• Financial Risk
• Credit Analysis
• Commercial Lending
• Banking
• Credit Risk
• Credit
• Retail Banking