Chief Lending Officer

Qualifications

• Bachelor's degree, plus ten years of progressive experience in bank lending, or the equivalent.
• Demonstrated skills in underwriting loans, managing large credits, loan structuring, loan workouts, loan operations and servicing, as well as regulatory requirements.

Principal Responsibilities

• Lead the team and develop an atmosphere of teamwork, open communication and unity.
• Provide oversight of all services offered.
• Actively mentor staff and ensure they are trained, evaluated, and motivated to perform their responsibilities in an effective and progressive manner.
• Manage the overall direction of credit administration, including quality control, loan operations and loan servicing.
• Ensure all activities are conducted efficiently and effectively and all staff are held accountable to perform their responsibilities, while supporting business partners.
• Provide support and guidance to the bank presidents and loan officers on credit related issues, focusing on asset quality and healthy growth.
• Serve as a resource person for others, including Regional Credit Managers and, on occasion, customers, regarding application or interpretation of any Policies and Guidelines.
• This includes providing appropriate management of credits that represent current or potential risk exposure.
• Actively seek out and engage in technology to assist in streamlining processes.
• Act as a lead on identified new systems, processes.
• Act as chairperson of the Executive Credit Committee, reviewing large loan requests as directed by the Loan Policy and Guidelines.
• Serve as the chairperson of the Loan Treasury Committee, setting loan rates throughout the organization.
• Oversee the Allowance for Credit Losses (ACL) levels at the banks and ensure calculations are performed in accordance with applicable regulations.
• Responsible for the correction of all deficiencies noted in the internal and external audits and regulatory examinations.
• Determine and monitor concentration limits within the loan portfolio.
• Keep abreast of all laws and regulations that impact the Company's lending & factoring activities.
• Ensure Loan Policy and Guidelines are maintained in a manner that all business loans and factoring are in compliance with the applicable laws and regulations.
• Be an active member of the Executive Committee.
• Responsible for planning and establishing broad overall policies, philosophies, and strategies to attain current and long-range goals and objectives for the organization.
• Act in accordance with FBT policies and procedures as set forth in the employee handbook.
• Adhere to compliance procedures and participate in required compliance training.