The purpose of this job is to develop and manage commercial loan accounts that meet established lending requirements and maximize profitability to the bank with minimal risk. Provides portfolio maintenance and loan administration in accordance with bank policies.

Responsibilities

Portfolio management and pricing decisions within credit authority

Recommendations for credit approval to Senior Loan Committee

Cross-selling referrals

Business development strategies, including prospect list development

Recommend promotional sponsorships to senior management

Maximizes the department’s profitability through the maintenance of a high-quality loan portfolio. Has credit authority for the largest and most complex portfolio within established limit

Has a leadership role in the bank’s business development activities. Attracts new business relationships and expands existing business relationships through the call program

Provides guidance to, and may manage, less experienced relationship managers

Maintain professional community relations, including leadership roles, to increase the bank’s visibility and new business opportunities, and to further personal development

Approves or rejects loans exceeding the credit authority of subordinate relationship managers up to approved lending limits.

Qualifications

Bachelor’s degree in business, finance, accounting, related field, or equivalent experience

Minimum 10 years’ experience managing a commercial loan portfolio with a proven track record in sales ability/aptitude and business development

Knowledge of pricing models as it relates to profitability of lending unit

Fully developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations

Knowledge of sales principles

Detailed knowledge of credit analysis practice and procedure

In-depth knowledge of products and services offered by financial services institutions

Strong analysis, judgment, and communication (oral and written) skills

Should possess excellent negotiation and problem-solving skills

Ability to present loan commitments to executive management of customers should be attained prior to this level

Must possess a high level of analytical skills

Must possess strong, well developed interpersonal skills

Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the association and the borrower

Motivation and initiative are essential to this position

Results-oriented, flexible, and demonstrated ability to prioritize work assignments

Physical Requirements/Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.

Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.

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