Vice President Commercial Lending

Sierra Central Credit Union•Yuba City, CA

4d•$155,590 - $222,170

About The Position

The Vice President of Commercial Lending oversees the Commercial Lending Department, ensuring strong production, high-quality loan standards, and effective leadership of department personnel. This role requires strategic oversight, operational excellence, and the ability to foster growth in the commercial lending portfolio while maintaining compliance and risk management standards.

Requirements

Exceptional verbal and written communication skills; strong presentation ability.
Advanced organizational skills and attention to detail.
Proficiency in Microsoft Office Suite and related software.
Expertise in analyzing loan applications, financial statements, credit reports, appraisals, and other commercial loan documentation.
Ability to make sound, consistent credit decisions and recommendations.
Strong background in sales and relationship-building skills.
Self-motivated with flexibility to adapt to changing priorities and work arrangements.
Ability to thrive in a fast-paced environment with multiple deadlines.
Leadership capability to guide and train staff effectively.
Strong prioritization and project management skills.
Demonstrated cooperative and professional behavior at all times.
Bachelor’s degree in marketing or business or equivalent experience.
Seven years of commercial lending and banking experience with considerable knowledge and skills in understanding business credit fundamentals.
Two years of management experience.
Strong working knowledge of commercial lending and banking practices and procedures.
Comprehensive knowledge of federal and state rules and regulations as they relate to member commercial lending.

Responsibilities

Prepare and underwrite commercial loan applications in accordance with internal policies and regulatory requirements.
Conduct ongoing audits and monitoring to ensure compliance and portfolio health.
Lead, train, and supervise department staff; delegate workflow effectively.
Develop, implement, and maintain in-house policies and procedures.
Assist in developing, testing and implementation of new loan products.
Prepare and present monthly performance reports to senior management.
Monitor new loans for adherence to current lending policies.
Provide insights to SVP Lending on trends and staffing needs within member business lending.
Ensure quality control and operational efficiency within the department.
Working time is spent as follows: 50% Oversee department operations and staff supervision. 15% Promote and market commercial lending programs in the local business community. 15% Review loans and departmental work for accuracy and quality. 10% Conduct annual portfolio reviews, including financial updates, site inspections, and risk ratings. 5% Attend industry meetings and seminars. 5% Review departmental reports.
Additional duties as assigned.