Regional President

Essential Duties And Responsibilities

• Assemble and lead a team of lending officers and support staff for Commercial, Commercial Real Estate and Small Business Lending
• Oversee the sales activities of a lending team to include not only credit products and services but all products and services offered by Bank, with particular emphasis on Commercial Deposits and Treasury Services
• In conjunction with department supervisors/managers, develop monthly, quarterly, and annual production goals and ROE targets that enable the Bank to achieve tactical and strategic lending objectives
• Possess sound and advanced analytical skills as it pertains to financial statement analysis and loan structuring/documentation
• Ensure that all lenders are kept abreast of the most recent loan terms and conditions approved by Senior Management
• Direct the overall function of the lenders and staff through strong communication channels for lending officers, department supervisors and support personnel
• Oversee the preparation of various weekly and monthly reports of all loan related activity of the Region and provide updates as needed to Senior Management
• Coach and develop lenders to the highest standards of product knowledge and service levels
• Participate in the lending process when necessary by attending on-site calls with lenders and/or meeting with clients in person or on the phone
• Confer with loan officers to aid in resolving potential loan problems
• Ensure timely communication of policy, procedures and guidelines to lending personnel
• Actively participate in company-wide programs designed to enhance referrals and service standards/practices
• Meet with government regulators and both internal and external auditors as needed
• Participate in various cross-functional committees/teams as necessary
• Actively represent the Bank in the community through Civic, Business/Trade, Charitable organizations
• Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money Laundering procedures. Maintain compliance with all appropriate rules and regulations

Education And/Or Experience

• Bachelor's degree in finance, accounting or management (or equivalent related experience)
• Minimum of fifteen (15) years commercial banking, commercial real estate and/or commercial lending experience, as well as credit administration experience
• Excellent verbal and written communication skills
• Proven experience at matrix management
• Full knowledge of current banking regulations with regard to credit risk, general knowledge of all areas of banking operations, bank finance and risk management
• Proven ability to structure complex loan arrangements that adhere to the Bank’s risk parameters
• Proven ability to organize complex data from multiple sources and clearly present findings and recommendations in differing formats understandable to a variety of audiences
• Knowledge of loan loss reserve and allocations
• Proven ability to effectively negotiate
• Strong client service skills for dealing with individual clients and with small groups
• Knowledge of Word, Excel, Internet navigation/research, and Outlook is expected