Bachelor's degree in Business Administration or Finance
Minimum of 8 years of commercial lending experience
Proficient in Word, Excel, Internet navigation, and Outlook
Strong communication skills—both verbal and written
Experience in coaching and managing a team
Responsibilities
Lead and coach a team of lending professionals
Contribute to goal setting and performance management
Serve as a member of the Executive Loan Committee
Prepare reports on team and individual achievements
Address client issues and supervise client interactions
Engage in direct sales of business products to commercial clients
Analyze creditworthiness and decision loan requests
Monitor risk in the loan portfolio and mitigate credit risk
Benefits
Opportunity for individual production and referral goals
Involvement in decision-making at the Executive Loan Committee level
Variety of internal committee participations to expand influence
Professional development opportunities through mandatory training
Dynamic role with hands-on client interaction
Potential for cross-selling and enhancing product knowledge
Full Job Description
SUMMARY: This role will serve as the first point of contact and supervision for a team of relationship managers for commercial lending, treasury management and small business lending. This role will be responsible for coaching team members in sales technique, problem resolution, credit analysis and performance management. Additionally, this role will have its own individual production and referral goals as part of business development and maintenance of client relationships.
ESSENTIAL DUTIES and RESPONSIBILITIES include, but are not limited to the following:
Lead and coach a team of lending personnel in Commercial Lending, Small Business and Treasury Management
Provide significant input towards production goal setting, performance management and recruitment/hiring
Actively participate as a permanent member of Executive Loan Committee
Prepare and present reports detailing team and individual goals/achievements as necessary
Serve as a point of contact regarding client issues and or questions from clients and/or subordinates
Sell business products and services to commercial customers and prospects as opportunities occur or required by management, typically through personal calling efforts or internal/external referrals
Analyze credit worthiness of commercial borrowers to decision requests within assigned loan authority or make recommendations for extending credit on requests exceeding such authority
Provide approval authority for Commercial Loan requests generated from Retail that are not eligible for Scored Underwriting
Monitor risk in loan portfolio to identify changes and take appropriate action to minimize credit risk
Effectively manage collateral and documentation exceptions
Maintain portfolio delinquency at levels acceptable to management
Cross-sell other Bank services to existing and prospective customers.
Serve on internal committees as required
Interact with operational and technical areas to resolve problems
Adhere to all appropriate service standards
Assist in the preparation of legal documents for loan closings
Draft sales proposals, commitment letters, and make sales presentations to clients and prospects
Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money laundering procedures. Maintain compliance with all appropriate rules and regulations.
Regular, predictable attendance is an essential requirement of this position
EDUCATION and/or EXPERIENCE:
Bachelor degree in Business Administration or Finance
Minimum of eight (8) years of experience in commercial lending
Knowledge of Word, Excel, Internet navigation/research, and Outlook is expected
Ability to clearly and effectively communicate both verbally and in writing
