Vice President, Lending

Essential Duties And Responsibilities

• Develop and maintain profitable relationships with commercial, agricultural, real estate, and consumer lending customers.
• Generate new loan and deposit business through prospecting, networking, referrals, and community involvement.
• Obtain and analyze financial statements, tax returns, credit reports, cash flow analyses, collateral documentation, and other information necessary for credit decisions.
• Meet with applicants to gather information, discuss financing needs, and explain available loan products and services.
• Analyze applicants' financial status, creditworthiness, repayment capacity, and collateral to determine the feasibility of granting loans.
• Structure loan requests and prepare complete credit presentations for approval.
• Approve loans within assigned authority and recommend loan requests to appropriate loan committees as needed.
• Ensure loan documentation is complete and accurate in accordance with bank policy and regulatory requirements.
• Manage an assigned portfolio of commercial and consumer loans, including annual reviews, covenant monitoring, and collection efforts when necessary.
• Monitor loan performance and identify emerging credit risks.
• Review financial information and recommend solutions to meet customer borrowing needs.
• Conduct site visits and inspections as appropriate to evaluate collateral, construction projects, and business operations.
• Develop constructive and cooperative working relationships with customers, community members, and bank personnel.
• Partner with branch and retail staff to identify cross-selling opportunities and enhance customer relationships.
• Maintain a high level of cooperation and communication with teammates to ensure accurate and efficient operations.
• Represent the bank through active participation in community organizations, civic groups, and business development activities.
• Uphold the bank's philosophy, policies, and standard operating procedures.
• Comply with all lending policies, banking regulations, and compliance requirements.
• Exhibit exemplary attendance, professionalism, and punctuality.
• Perform other duties as assigned.

Knowledge, Skills, And Abilities

• Thorough knowledge of commercial, consumer, agricultural, and real estate lending principles and practices.
• Strong understanding of credit analysis, underwriting, loan structuring, and portfolio management.
• Knowledge of banking regulations and lending compliance requirements.
• Strong understanding of accounting principles and financial statement analysis.
• Ability to evaluate complex financial information and make sound credit recommendations.
• Proficiency in Microsoft Outlook, Word, and Excel.
• Proficiency in loan underwriting and financial software systems.
• Excellent customer service, relationship-building, and business development skills.
• Strong verbal and written communication skills.
• Strong analytical, problem-solving, and decision-making abilities.
• Ability to manage multiple priorities and meet deadlines.
• High level of professionalism, discretion, and confidentiality.
• Strong organizational and time-management skills.
• Ability to communicate financial concepts and lending solutions effectively to customers.
• Ability to work independently while collaborating effectively with management and team members.
• Ability to maintain strong attention to detail while handling frequent interruptions.

Education, Training, And Experience

• Bachelor's degree in Business, Finance, Accounting, Economics, or a related field preferred.
• Minimum of 5 years of lending experience required.
• 3-5 years of commercial lending experience required.
• 10 or more years of lending experience preferred.
• Commercial lending experience strongly preferred.
• Experience in credit underwriting and financial statement analysis required.
• Demonstrated business development and relationship management experience preferred.
• Valid driver's license and ability to be covered under the bank's insurance policy.