- Serve as a member of the Executive Leadership Team.
- Develop and execute the Bank's lending strategy.
- Participate in strategic planning and annual budgeting.
- Collaborate with executive management to achieve growth and profitability goals.
- Represent the Bank in community, civic, and business organizations.
- Direct all lending activities across commercial, consumer, mortgage, and specialty lending.
- Establish production goals and portfolio objectives.
- Monitor loan growth, profitability, and portfolio diversification.
- Ensure consistent underwriting and credit quality across all business lines.
- Oversee pricing strategies and product development.
- Maintain overall quality of the loan portfolio.
- Approve loans within delegated authority.
- Manage the commercial loan portfolioÂ
- Chair or participate in Loan Committee meetings.
- Monitor concentrations, criticized assets, delinquency trends, and charge-offs.
- Recommend modifications to loan policy as market conditions change.
- Monitor portfolio performance through key performance indicators.
- Achieve all new loan production and portfolio growth targets
- Manage and motivate all lenders and related staffÂ
- Review asset quality reports.
- Develop action plans for problem credits.
- Ensure timely risk ratings and credit reviews.
- Manage portfolio stress testing and concentration limits.
- Ensure compliance with all federal and state banking regulations.
- Recruit, coach, and develop lending professionals.
- Conduct performance evaluations.
- Build succession plans for lending leadership.
- Foster a strong sales and credit culture.
- Develop relationships with commercial clients and centers of influence.
- Support significant commercial lending opportunities.
- Participate in calling efforts with lenders.
- Identify new market opportunities and strategic partnerships.
- Manage lending department budgets.
- Monitor net interest margin, loan yields, and fee income.
- Improve operational efficiency while maintaining credit quality.
- Bachelor's degree in Finance, Business, Accounting, Economics, or related field.
- MBA or Graduate School of Banking preferred.
- 12–15+ years of progressive bank lending experience.
- 7–10+ years of executive or senior lending management experience.
- Extensive commercial credit experience.
- Experience managing multiple lending disciplines.
- Community or regional bank experience preferred.
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