Job Description
Job Description
Description :
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.
Requirements :
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.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.