This position is available in Wyoming at one of the following locations:Buffalo, Gillette, Sheridan, Douglas and Newcastle.
Summary/Objectives: The SVP of Agriculture/Commercial Lending provides oversight of complex commercial or agricultural credit relationships through underwriting review, approval authority, portfolio risk management, loan servicing oversight, policy development, special assets management, lender training, and implementation of lending systems and procedures while serving as a technical resource to lending staff.
Essential functions:
- Review complex credit relationships for underwriting quality, risk rating accuracy, policy compliance, and due diligence requirements.
- Maintain and service a portfolio of complex and problem loan relationships.
- Monitor and review the servicing, performance, and portfolio quality of large loan relationships. This includes proactive management of past due and problem loans.
- Approve credit requests within delegated lending authority and present qualifying credit relationships to the Senior Loan Committee (SLC).
- Provide guidance to lenders on credit structure, underwriting strategy, and risk mitigation for complex lending relationships.
- Serve as the Special Assets Manager, leading collection efforts, loan workout strategies, and Special Assets Committee activities.
- Coordinate legal review and legal proceedings related to credit transactions and problem loan relationships, as appropriate.
- Conduct large loan inspections and if requested will participate in customer meetings involving significant or complex credit relationships.
- Oversee guaranteed lending programs, ensuring compliance with program requirements and serving as the primary resource for lenders.
- Coordinate the purchase, sale, participation, and closing of loans within the assigned specialty area.
- Develop, recommend, and implement lending policies, procedures, loan products, and process improvements that enhance credit quality and operational efficiency.
- Serve as the subject matter expert for lending systems and technology, ensuring data integrity, supporting system enhancements, and maximizing operational efficiency.
- Review and approve employee loan requests beyond Market President approval authority in accordance with bank policy.
- Design, coordinate, and deliver lender training to promote consistent underwriting practices, policy compliance, and professional development.
- Collaborate with lending management, Market Presidents, and other departments to ensure consistent credit administration, sound risk management, and achievement of the Bank's lending objectives.
- Actively participate in customer, community, and public relations activities to increase the bank's visibility and enhance new business opportunities.
- Additional duties as assigned as they relate to the position.
Competencies:
- Advanced knowledge of commercial and/or agricultural lending principles, underwriting, and credit administration.
- Expertise in financial statement analysis, cash flow analysis, and credit risk assessment.
- Strong understanding of loan structuring, collateral evaluation, and complex credit relationships.
- Thorough knowledge of banking regulations, lending compliance requirements, and internal lending policies.
- Knowledge of government-guaranteed lending programs and applicable program requirements.
- Ability to identify, assess, and mitigate credit and portfolio risk.
- Strong analytical, critical thinking, and sound decision-making skills.
- Excellent problem-solving and strategic thinking abilities.
- Ability to manage criticized and classified assets, loan workouts, and collection strategies.
- Effective leadership, coaching, and employee development skills.
- Ability to develop and deliver technical lending training and guidance.
- Strong verbal and written communication skills, including the ability to present complex credit recommendations to executive leadership and loan committees.
- Ability to build collaborative relationships across departments and with external partners.
- Strong organizational skills with the ability to prioritize multiple projects and deadlines.
- High level of accuracy and attention to detail.
- Ability to recommend and implement policy, procedural, and product improvements.
- Proficiency in lending technology, core banking systems, and Microsoft Office applications, with the ability to quickly learn and adapt to new systems.
- Strong project management and process improvement skills.
- Ability to exercise sound judgment while maintaining confidentiality and professionalism.
- Demonstrated integrity, accountability, and commitment to ethical banking practices.
- Ability to adapt to changing regulations, technology, and business needs.
- Commitment to continuous learning and professional development.
Education/Qualifications:
- Bachelor's degree in Finance, Accounting, Business Administration, Agricultural Business, Economics, or a related field required; advanced degree preferred.
- Minimum of 10 years of progressively responsible experience in commercial and/or agricultural lending, credit administration, or portfolio management.
- Experience with credit policy, loan approvals, regulatory compliance, and loan committee presentations.
- Experience managing special assets, problem loans, and loan workout strategies preferred.
- Experience with government-guaranteed lending programs preferred.
- Experience implementing lending systems and process improvements preferred.
- An equivalent combination of education, certifications, and related banking experience may be considered.
Supervisory:
This position does not have direct supervisory responsibilities currently, however, does serve as a direct mentor for other positions in the organization.
Working Conditions:
- Normal office environment.
- While performing the duties of this job, the employee is regularly required to stand, walk, use hands to type, carry, handle, and feel objects, reach with hands and arms, and talk or hear. The employee must occasionally lift and/or move up to 25 pounds or more with assistance. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus
