Key Responsibilities:
Team Leadership & Development:
- Lead, motivate, and manage a team of Commercial Lenders, fostering a high-performance, collaborative, and results-driven environment.
- Provide ongoing coaching, training, and professional development to team members, ensuring their continuous growth in commercial lending practices, credit analysis, and relationship management.
- Conduct regular performance reviews, set clear objectives, and provide constructive feedback to enhance individual and team performance.
- Oversee the allocation of leads and territories within the team to maximize efficiency and achieve collective goals.
- Act as a subject matter expert and escalation point for complex lending scenarios, credit challenges, and client issues.
Commercial Loan Origination & Portfolio Management:
- Actively solicit, develop, and maintain a diversified portfolio of commercial loan relationships, including C&I, commercial real estate, and other business loans.
- Identify and pursue new business opportunities through networking, community involvement, and referrals from existing clients and internal partners.
- Conduct comprehensive financial analysis, including cash flow analysis, collateral evaluation, and risk assessment, to determine creditworthiness and structure appropriate loan solutions.
- Negotiate terms and conditions of loan agreements, ensuring compliance with internal policies, regulatory requirements, and sound lending principles.
- Prepare and present detailed loan proposals and credit memos to loan committees, articulating the credit story and recommending approval or denial.
- Monitor loan repayment activities, ensure timely collection of payments, and proactively manage portfolio risk.
- Identify and address potential problem loans, working collaboratively with credit administration and workout specialists as needed.
- Cross-promote other bank products and services to commercial clients to deepen relationships and expand the bank’s footprint.
Strategic & Operational Excellence:
- Contribute to the development and implementation of commercial lending strategies that align with the bank’s overall business objectives and drive revenue growth.
- *Stay current on industry trends, market conditions, and regulatory changes affecting commercial lending activities.
- Collaborate effectively with internal partners, including credit risk, loan operations, legal, and compliance, to ensure seamless loan processing and adherence to all regulations.
- Participate in community and economic development organizations and events to enhance the bank’s visibility and cultivate new business opportunities.
- Prepare and present comprehensive reports on lending activities, including loan performance, portfolio quality, and profitability.
- Be familiar with the employee handbook and will be held accountable to the standards of conduct and expectations detailed therein.
- Performs other duties as assigned
Skills & Knowledge:
- In-depth knowledge of commercial lending principles, practices, and procedures, including loan structuring, underwriting, and risk mitigation.
- Strong understanding of financial statement analysis, credit analysis techniques, and cash flow modeling.
- Excellent negotiation, communication (written and verbal), and presentation skills.
- Proven ability to build and maintain strong relationships with clients, colleagues, and community partners.
- Solid understanding of regulatory compliance and lending policies and procedures.
- Strong analytical and problem-solving abilities with a keen attention to detail.
- Ability to work independently and as part of a team in a fast-paced environment.
- Proficiency in Microsoft Office Suite and commercial lending software.