Vice President, Commercial Lending

SB Financial Group Inc.•Sylvania, OH

About The Position

Responsible for developing, managing, and expanding the commercial and industrial loan relationships; achieving customer service goals as established in the Commercial Services Department's annual operating plan; maintaining appropriate records and providing assigned reports; actively participating in community activities in a manner which reflects favorably on the bank.

Requirements

A B.S. or B.A. degree in in Finance, Business Administration, Accounting, normally required; specialized banking education and training.
A minimum of five (5) years of experience in related positions normally required.
Strong understanding of commercial credit analysis, financial statements, and lending structures.
Proven ability to develop business relationships and generate new loan opportunities.

Nice To Haves

Proficiency with commercial lending platforms such as nCino and CRM systems including Salesforce.
Proficient reading, writing, grammar, and mathematics skills.
Proficient interpersonal relations, communicative, and sales skills.
A thorough knowledge of the features and benefits of all banks commercial products and services.
A working knowledge of bank operating policies and procedures which impact commercial services.
Valid driver's license.

Responsibilities

Develops and manages the commercial and industrial loan relationships which are typically the largest and most complex by performing the following:
Jointly establishes quantitative sales objectives, with assigned supervisor, on an annual basis; this activity to be integrated with the Commercial Services Department's annual marketing/sales plan.
Solicits new business from present and prospective customers; interviews applicants; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities.
Provides sales information on a timely basis in order that this information may be included as part of customer service and sales performance reports.
Monitors individual sales performance versus objectives on a regular basis; discusses performance with appropriate supervisor on a frequent basis.
Serves as a member of the bank's sales team that makes group sales calls that will improve the opportunity for new business development.
Maintains a thorough knowledge of the features and benefits of all banks commercial products and services in order to ascertain customer needs and to sell in conjunction with these needs.
Collects and analyzes financial, credit, and related information; provides direct service to commercial customers of the bank with respect to deposit, loan, and other miscellaneous products and services; approves or rejects loan applications within individual lending authority; negotiates provisions and structure of loans.
Makes presentations to appropriate loan committee.
Assists customers in obtaining specialized services from other bank departments as necessary; provides help to customers with specific inquiries or service problems.
Maintains a working knowledge of bank operating policies and procedures which impact commercial services including loan policy.
Prepares and maintains accurate records of all customer service calls made and meetings held with present and prospective customers.
Monitors loan repayment activities.
Jointly establishes annual quantitative customer service and sales objectives with assigned supervisor; this activity to be integrated with the Commercial Services Department's annual operating plan.
Complies with established operating policies and procedures in order to maintain adequate controls and to support the bank's adherence to outside regulatory requirements.
Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the workplace.
Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management, overall safety and soundness, and the bank’s compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.
Coordinates departmental tasks with coworkers inside and outside the department in order to ensure an efficient process and the completion of essential tasks needing proper segregation of duties.
Reports pertinent information to the immediate supervisor as requested, or according to an established schedule; complies information as necessary or as directed and provides date to appropriate bank personnel.
Responds to inquiries relating to his/her particular area, or to requests from other bank personnel, customers, etc., within given time frames and within established policy.
Provides leadership, on-the-job training, and technical guidance to other Commercial Services Officer(s).
Maintains appropriate records and provides assigned reports.
Actively participates in community activities in a manner which reflects favorably on the bank.
Attends sales and trade meetings as a bank representative to develop new business and to gain information and leads on new business relationships.
Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual or departmental circumstances.