SVP/Commercial Lending Officer II
About The Position
Under the guidance of the Senior Vice President/Senior Commercial Lending Officer, the SVP/Commercial Lending Officer II oversees and develops relationships with commercial loan accounts that meet lending requirements and align with established Bank policies, procedures, and strategic goals. The role makes credit decisions within delegated authority, supports commercial lending growth and service, and provides direction to lending staff and relationship managers. The position recommends and implements policy changes, develops new and existing business relationships, reviews and negotiates large or complex loans, and presents loans to the Loan Committee. It also contributes to marketing, monitors lending performance, supports customers, and represents the Bank in community and professional activities. The role requires maintaining awareness of regulatory and competitive developments and ensuring applicable BSA, AML, CIP, and OFAC requirements and procedures are followed.
Requirements
- Bachelor’s degree in business administration, or equivalent through special training in lending, credit, or related subjects.
- More than ten years of progressively responsible experience in commercial lending, including management experience.
- Excellent analytical, operations management, organizational, and communication skills.
Responsibilities
- Recommends Commercial Lending Department policies and improvements to the Senior Commercial Lending Officer for approval by the Loan Committee and President & Chief Executive Officer, and ensures approved changes are implemented.
- Renders final credit decisions on Real Estate and Commercial & Industrial (C&I) customer loans within lending authority.
- Develops new business relationships and services existing relationships to meet established production goals.
- Reviews, negotiates, and recommends large and/or complex loans, managing relationships as needed.
- Guides and assists in the development of support staff.
- Provides guidance and direction to Business Development Officers, Commercial Lending Officers, and Relationship Managers.
- Compiles financial information and presents loans to the Loan Committee for approval.
- Develops and participates in marketing programs for the Bank’s commercial real estate and C&I lending products and services.
- Assists customers with difficult questions or concerns about commercial real estate and C&I lending services, keeping the Senior Commercial Lending Officer informed of service status.
- Monitors and reports performance against Commercial Lending goals to the Senior Commercial Lending Officer.
- Recommends proposals to expand current commercial real estate and C&I lending business.
- Participates in community and professional activities and pursues relationships that may improve or increase the Bank’s business.
- Represents the Bank to customers and the community to maintain and expand relationships through active community involvement.
- Participates as a Banking Center team member, helps meet performance goals, develops strategies and promotional efforts, maintains general knowledge of Banking Center products and services, and monitors team progress toward goals and objectives.
- Keeps abreast of regulatory and competitive developments and assesses their impact.
- Maintains knowledge of BSA, AML, CIP, and OFAC regulatory requirements; ensures management and staff complete annual BSA-related training on time and follow applicable procedures; identifies and reports compliance issues and suspicious activity.
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Senior
