SVP, Regional Manager, Commercial Lending
About The Position
Manages the Bank’s Commercial Real Estate (CRE) lending activities and supervises the CRE team. Develops CRE lending business and oversees loan origination, processing, closing, servicing, portfolio management, credit analysis, and borrower relationship maintenance in accordance with federal regulations, agency guidelines, and Bank policies. The role is responsible for protecting the government guarantee throughout all phases of loan processing, cross-selling Bank products and services where appropriate, and assisting and training Bank personnel in CRE lending. The position also presents CRE lending seminars and reports lending progress to senior management. The manager exercises the usual management authority, including supervising, training, scheduling, conducting performance evaluations, recommending salaries, and taking disciplinary actions. The role makes or recommends sound credit decisions, participates as a voting member of the Bank’s Loan Committees and Asset Classification Committee, and evaluates or determines risk classifications for CRE loans. Frequent travel throughout the region is required.
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, or a related Business field.
- At least 10 years of commercial lending experience with a proven successful sales record.
- At least 7 years of experience managing a business banking market for a progressive financial services company in the Commercial Real Estate segment.
- Experience executing programs that successfully improved cross-selling of products and services throughout a major financial services company.
- Experience attracting, managing, developing, and retaining a highly competent and committed group of Commercial Lenders.
- A record of developing, building, and maintaining a high-level customer service organization, and ability to guide commercial lenders working with high-net-worth clients and centers of influence.
- Thorough understanding of market trends, competition, communities, and businesses.
- Thorough understanding of market risks, macroeconomic and microeconomic issues as they apply to banking, and lending policies and procedures.
- Demonstrated ability to manage and prioritize multiple tasks.
- Frequent travel throughout the region.
- Results-oriented and able to work well in a team environment.
- Successful completion of a bank-sponsored or equivalent credit training program.
- History of community involvement through volunteerism and/or representation with charitable organizations.
Nice To Haves
- Master’s degree in Finance, Business, or Economics.
Responsibilities
- Develop business for the Bank’s CRE Lending Department and solicit business through various sources.
- Accompany Branch Managers and Loan Officers on business calls relating to CRE lending.
- Originate CRE loans in accordance with federal and Bank guidelines.
- Interview applicants to determine eligibility and help prepare required financial paperwork; underwrite loans.
- Submit loans for approval, close approved loans, and sell closed loans on the secondary market.
- Supervise portfolio management, credit analysis, and administrative functions of the CRE team.
- Supervise, train, schedule, and evaluate staff; recommend salaries and take disciplinary actions as appropriate.
- Make sound credit decisions or approval recommendations to higher authorities.
- Serve as a voting member of the Bank’s Loan Committees and Asset Classification Committee.
- Evaluate and, in certain cases, determine risk rating classifications for CRE loans.
- Maintain and monitor CRE loans to protect the government guarantee and ensure customers adhere to loan terms and conditions.
- Follow up on past-due loans, work with customers to resolve problems, and periodically visit customers.
- Report CRE lending progress to senior management through meetings and reports.
- Assist and train personnel at all levels in CRE lending and present seminars to employees and external groups.
- Cross-sell the Bank’s products and services when appropriate.
- Ensure work is accurate and completed within established time frames, and track CRE loan underwriting turnaround times.
- Maintain current knowledge of CRE lending regulations and relevant political climates and trends.
- Perform other duties as assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
