SUMMARY/OBJECTIVESDirector of Builder Finance is responsible for leading and managing the financial strategies, operations and relationships related to Builder Finance. This role will oversee financing solutions for homebuilders, develop lending programs, manage risk and drive financial performance to support business growth.
As Director of Builder Finance, guides and motivates Commercial Bankers to exceed expectations for market growth and business development. Conducts business development initiatives and contributes to the generation of new business. Manages a high-level loan and deposit portfolio providing superior client service. Analyzes financial information to evaluate the credit worthiness of loan requests. Together with Portfolio Managers, compiles loan packages ensuring completeness and accuracy of information provided. Works with Bank's product teams to cross-sell products and services of the Bank. Assures that all loans follow State and Federal regulations and Bank policies and procedures. Success in the role is defined by team and individual efficacy in calling activity, proposal generation, revenue generation, risk mitigation, and ability to build successful relationships.
ESSENTIAL FUNCTIONSAs a Director of Builder Finance:
- Works with the Division and/or Regional President to create strategies to meet business development goals for the market.
- Develop and execute financial strategies and goals to support builder financing programs.
- Oversee underwriting, credit risk assessment and portfolio management of business loans.
- Optimize financing structures to support homebuilder growth and profitability.
- Manage financial forecasting, budgeting and capital allocation for builder finance initiatives.
- Establish and maintain strong relationships with homebuilders and evaluate builder creditworthiness and recommend appropriate financing solutions.
- Stay informed on industry trends, regulatory changes and market conditions impacting builder finance.
- Collaborate with internal stakeholders, including sales, operations, and legal teams to align finance initiatives with business objectives.
- Participates in community activities and contributes to the growth of the community while enhancing the visibility of the Bank.
- Lead, mentor and develop a team of finance professionals focused on builder finance. Utilizes coaching strategies to motivate team and enhance performance.
- Conducts regular one-on-one meetings with team members to ensure two-way communication is occurring and that a full understanding of processes, procedures, goals, and expectations is realized.
- Utilizes expertise and market knowledge to identify profitable prospects, develop business and contribute to the growth of the market and team.
- Lead team sales meetings and participate in broader sales meetings.
- Creates a positive and collaborative work environment.
- Drive process improvements and efficiencies within builder finance operations.
- Ensure that all required documentation is in file for all loans and deposits.
- Clear documentation or compliance deficiencies noted by Loan and Deposit Operations or other review.
- Partner with Credit to properly risk grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available.
- Price each loan and deposit product according to current Bank pricing guidelines.
- Document the credit quality, current competitive factors, or overall relationship circumstances that justify departures from the approved Bank pricing regulations.
- Demonstrate a commitment to fair lending practices.
- Remain knowledgeable of all laws and regulations governing the lending activities of financial institutions.
- Ensure compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Qualifications, Education, and Certification Requirements- Education: A Bachelor's degree in business, finance, banking, or related field is required. Formal bank credit training program completion is required. Graduation from a recognized school of banking is an asset.
- Experience: Minimum of 10+ years commercial lending or middle market experience as well as 3-5 years management experience; Experience should include significant loan structuring and credit analysis responsibilities as well as client origination activities.
- Knowledge: Extensive knowledge of all Bank products, services, procedures, and practices. Must have an in-depth knowledge of Federal and State lending regulations and Bank policies relating to lending procedures. Familiarity with the local business community is strongly preferred.
- Skills: Must have well-developed sales, interpersonal, negotiating, and problem-solving skills. Excellent written and verbal communication skills are necessary. Must have accounting and extensive credit skills. Must be detail oriented and possess the proven ability to prioritize complex work assignments. Must exhibit excellent time management skills. Proven analytical skills and the ability to evaluate credit worthiness are needed. Must be proficient in the use of basic office equipment with an emphasis on calculator and computer. Proficient use of Microsoft Word, Excel, and Outlook is necessary.
TRAINING REQUIREMENTS/CLASSESRequired annual compliance training, New Employee Orientation
PHYSICAL DEMANDSMust be able to effectively access and interpret information on computer screens, documents, and reports. This position requires a large amount of time in front of a computer. This can be done sitting or standing with use of the right desk.
WORK ENVIRONMENTThis position is in a private office. Telecommuting roles no matter if hybrid or 100% full time telecommuting must have a secure home office environment that is free from background noise and distractions. They must also have a reliable private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred. Requirements are subject to change, as new systems and technology is delivered.
TRAVEL Travel may be required to come to meetings as needed.
Work Location: 1325 Hendricks Ave Jacksonville, Florida 32207
