SVP Commercial Lender

Qualifications

• Solicit, negotiate, process, and coordinate transactions of varying size and complexity, in compliance with the Bank’s Lending policies and procedures.
• Interview prospective applicants and provide guidance to complete the loan transaction process.
• Develop strong business relationships with new, existing, and prospective customers, and promote the Bank’s products and services.
• Maximize the Bank’s profitability by building one’s own portfolio and pipeline.
• Generate leads and activity through community leadership, as well as self-directed prospecting, referral generation, and new business development efforts.
• Maintain frequent contact with clients and ensure credit and service needs are being properly handled.
• Gather and analyze information necessary to present a financial request or application to the appropriate approval authority, including meeting with applicants, visiting loan sites, reviewing property information, analyzing financial statements and tax returns, preparing final approval requests or memoranda, and other requirements, as necessary.
• Career Development: Participate in Committees of the Bank, as may be assigned.
• Monitor and service existing loans in an assigned portfolio, including conducting annual reviews of Lending transactions, overseeing construction progress, negotiating and processing renewals of credit facilities, and contacting customers regarding delinquencies, modifications, and/or workouts, as needed.
• Present Lending transactions to the Bank’s Loan Committee or Board of Directors.
• Participate with members of Management to develop, analyze, and finalize major or complex loan agreements or transactions.
• Ensure consistency in risk ratings and appropriate action plans in deteriorating situations.
• Assist in responding to audit and regulatory oversight requests, as required.
• Embrace the team-oriented culture and work collaboratively across the Bank to support the Organization’s strategic growth plans.
• Successfully partner cross-functionally and cross-sell products and services.
• Embrace the Bank’s culture of community outreach.
• Represent the Bank in various community and civic functions to enhance the Bank’s image and market share, and to develop potential business relationships for the Bank.

Requirements

• Prior experience as a Commercial Lender, including originating and analyzing loans/Lending transactions.
• Mastery over all aspects of Commercial Lending, including originating, underwriting, monitoring, processing, and servicing. This includes advanced knowledge of Commercial Lending terminology.
• Proven success in marketing and business development.
• Strong leadership, interpersonal, organizational, communication (written and verbal), and decision-making skills.
• Advanced knowledge in federal and state Lending and compliance requirements.
• Understanding and familiarity with nCino preferred, but not required.
• Bachelor’s Degree or equivalent.