Santa Cruz County Bank Hires Chief Credit Officer Susan Just SANTA CRUZ, Calif. , July 12, 2021 |PRNewswire| -- Santa Cruz County Bank (OTCQX: SCZC ), today announced Susan Just has joined the bank as Executive Vice President and Chief Credit Officer. Ms. Just has an extensive background in commercial lending, structured finance, and credit risk management, including loan review, regulatory compliance, and ALLL. She has held senior credit roles at major banks across the country including JPMorgan Chase, Northern Trust, and Bank of Montreal. Ms. Just''s 30-year career includes credit portfolio management of loan portfolios up to $8.5 billion . Early in her career, with JPMorgan Chase and its predecessor organizations, Ms. Just established herself as a proficient underwriter of commercial, corporate, and securitized transactions, taking on roles of increasing responsibility and managing multi-billion-dollar transactions. Following her 17-year tenure at JPMorgan, Ms. Just changed her focus to community banking and broader credit risk management. She served as Senior Credit Officer at First Chicago Bank Trust, a $1.1 billion community bank, and was responsible for integrating and streamlining the credit functions of its merged predecessor banks.