VP/MARKET LENDING LEADER

First State Bank•Miramar, FL

About The Position

The VP/Market Lending Leader manages commercial loan sales and business development across Broward, Miami-Dade, and Palm Beach counties, while referring consumer loan and treasury management opportunities. The role includes coordinating daily sales activities to serve prospects and customers throughout the market. The position leads commercial lending strategy and operations, manages and services an existing commercial loan portfolio, and evaluates prospective borrowers’ financial information and creditworthiness. The leader interviews applicants, underwrites loans, prepares loan memoranda and committee presentations, approves loans within established limits or recommends them to the Loan Committee, and ensures timely closing and funding. The role also monitors past-due accounts, prepares loan documents, resolves documentation exceptions, and ensures compliance with lending policies, regulatory requirements, and internal risk and operating procedures. The VP/Market Lending Leader represents the Bank in the community, develops business opportunities and referral relationships, educates customers about underwriting guidelines and regulations, and refers business to retail, deposit, and treasury management services. The role builds and supports a high-performance lending team through leadership, training, coaching, and professional development. Other duties may be assigned by the supervisor or manager. The position requires a valid driver's license and personal transportation to serve the Bank's Corporate Services clients. The employee will organize and coordinate schedules and work orders for multiple locations; frequently operate office equipment; move around the office; and frequently lift, carry, bend, kneel, and reach approximately 20% of the time.

Requirements

Bachelor's degree or substantial related field experience.
Eight years of previous commercial lending experience.
Proven track record of successful loan origination.
Valid driver's license and personal transportation to service the Bank's Corporate Services clients.
Management skills.
Proven record of meeting or exceeding sales targets and closing sales.
Ability to identify customer needs and match them to the Bank's products.
Effective communication skills with customers, prospective customers, peers, and management.
Strong customer service, prioritization, and organizational skills.
Knowledge of the Bank's loan and deposit products, policies, and procedures.
High commitment to community involvement and volunteerism.

Responsibilities

Develop and execute a strategic vision for commercial lending operations aligned with organizational objectives.
Oversee the lending process and ensure approved commercial loans remain within authorized lending limits.
Represent the Bank through active community participation, attend community events, strengthen the Bank's image, and develop new business opportunities.
Maintain and service the existing commercial loan portfolio; analyze borrower financial data and repayment ability; and prepare loan memoranda.
Approve loans within established lending limits or refer and recommend loans to the Loan Committee.
Interview prospective commercial loan customers, gather application information, analyze financial information, underwrite loans, and prepare memoranda for committees and credit administration.
Ensure timely loan closing and funding activities.
Monitor past-due accounts, prepare loan documents, and address documentation exceptions promptly.
Follow lending policies and procedures and ensure prudent, ethical, and legally compliant lending decisions.
Educate prospective customers about underwriting guidelines and government regulations, and serve as a resource on business and financial matters.
Build productive relationships within the Bank and with organizations that provide loan customers and prospects; balance team and individual goals.
Adhere to regulatory requirements and internal risk and operating policies and procedures; research credit inquiries and filings to determine creditworthiness and collateral positioning.
Build a high-performance lending team and provide leadership, training, support, coaching, and professional development opportunities.
Refer business for retail and deposit products and treasury management services.
Coordinate schedules and work orders for multiple locations and serve Corporate Services clients using personal transportation.
Perform other duties as assigned by the supervisor or manager.