Bachelor's degree or substantial related field experience
8 years of previous commercial lending experience
Proven track record of successful loan origination
Strong knowledge of the Bank's loan and deposit products
High commitment to community involvement and volunteerism
Responsibilities
Develop and execute a strategic vision for commercial lending operations
Oversee the lending process to ensure compliance with authorized limits
Represent the bank in community affairs to enhance its image
Manage and service the existing commercial loan portfolio
Interview prospective customers and analyze financial information for loan applications
Monitor past due accounts and ensure timely documentation
Educate customers on underwriting guidelines and regulations
Build and maintain productive relationships within the bank and with external organizations
Adhere to regulatory requirements and internal policies
Build a high-performance lending team through coaching and development
Benefits
Opportunities for professional development and training
Engagement in community events and volunteerism
Supportive team environment
Access to a range of banking products and services
Leadership opportunities within the lending team
Full Job Description
VP/MARKET LENDING LEADER
Position Summary:
The VP/Market Lending Leader is responsible for managing the sales and business development of commercial loans within the market of Broward, Miami-Dade and Palm Beach County, as well as referrals for consumer loans and treasury management. This includes coordinating their own daily business selling efforts to cover prospects and customers within the market.
Position Responsibilities:
Develop and execute a strategic vision for commercial lending operations in alignment with organizational objectives.
Oversee the lending process to ensure that appropriate action is taken and that approved commercial loans are within authorized lending limits.
Represent the bank in its market area through active participation in community affairs. Attend and participate in community events to enhance the bank's image and develop strategies to expand existing business and seek out new business opportunities.
Manage the maintenance and servicing of existing commercial loan portfolio. Analyze financial data to determine a borrower's ability to repay and prepare loan memos for approval. Approve loans within established lending limits or refer and recommend acceptance to Loan Committee.
Interview prospective commercial loan customers and gather pertinent information for loan applications. Analyze all financial information of customers, underwrite loans, and prepare necessary memos for presentation to committees and credit administration. Ensure timely loan closing and funding activities.
Monitor past due accounts, prepare loan documents, and address documentation exceptions in a timely manner. Follow the bank's lending policies and procedures while ensuring all lending decisions are prudent and according to strong ethical and legal standards
Educate prospective customers about the bank's underwriting guidelines and all applicable government regulations. Serve as a resource to customers regarding business and financial matters
Build and maintain productive relationships with people throughout the bank and balance team goals with individual goals. Maintain relationships with organizations that provide loan customers and prospects.
Adhere to all regulatory requirements and internal risk and operating policies and procedures. Ensure that credit inquiries and filings are researched to determine creditworthiness and appropriate collateral positioning.
Build a high-performance lending team with individual coaching and professional development opportunities. Provide leadership, training, and support.
Refer business for retail/deposits and to treasury management services.
Responsibilities also include other duties as assigned by the supervisor/manager
Competencies:
Management skills
A proven track record of meeting and/or exceeding sales targets and closed sales
Ability to recognize customer's needs and matching them to the Bank's products
Effective communication skills with all levels of customers, potential customers, peers and management
Strong customer service, prioritization, and organizational skills
Knowledge of all of the Bank's loan and deposit products
Knowledge of the Bank's policies and procedures
High commitment to community involvement and volunteerism
Required Education & Experience:
Bachelor's degree or substantial related field experience
8 years' previous commercial lending experience
Proven track record of successful loan origination
Essential Job Functions:
Essential job functions include the employee occupying this position must have a valid driver's license and have their own transportation to service all of the Bank's Corporate Services clients. The employee will be frequently lifting, carrying, bending, kneeling, and reaching 20 percent of the time. The employee will be required to organize and coordinate schedules and work orders for multiple locations. The employee will frequently operate a telephone, computer, printer, copier and fax machine; and move about inside the office to access file cabinets, office machinery, etc.
