Bachelor's degree in Business Administration or Finance
At least 8 years of experience in commercial lending
Proficient in Word, Excel, Outlook, and Internet research
Strong verbal and written communication skills
Responsibilities
Lead and coach a team in Commercial Lending, Small Business, and Treasury Management
Contribute to production goal setting and performance management
Participate in the Executive Loan Committee
Prepare and present team performance reports
Address client issues and inquiries effectively
Sell business products to commercial customers
Analyze credit worthiness and manage loan decisions
Monitor loan portfolio risk and address credit risks
Cross-sell Bank services to clients and prospects
Draft sales proposals and presentations to clients
Benefits
Participation in strategic decision-making as a committee member
Opportunities for professional development and training
Support for maintaining compliance with industry regulations
Engagement in various internal committees
Structured performance management and career progression
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
