Job Title: Commercial Lending Division Manager

Reports To: President

Direct Reports: Commercial Relationship Managers

Salary Grade: 14

SUMMARY

Responsible for managing existing commercial relationships and generating new business in the appropriate market segment. Oversees all lending within the Bank and collaborates with Regional Credit Manager on credit risk management. Communicates lending policies, assists with credit procedures, monitors, and reports on compliance with policies. Participates in credit decisions. Directly oversees business development activities encompassing business loans, deposits and treasury management services, and ensures that the loan portfolio meets the Bank’s goals for diversification and credit quality.

EDUCATION AND EXPERIENCE REQUIREMENTS

• Bachelor's degree or equivalent experience and education
• 5 years’ experience in banking or sales preferred 
• Possess strong background and understanding of corporate finance and business acumen
• Knowledgeable on and skilled in applying effective sales techniques
• Skilled in organizing, facilitating, leading and negotiating with a team of bank personnel to solve customer's problems
• Professional sales skills and experience, including planning, execution and follow-up
• Strong customer needs assessment and problem solving skills
• Demonstrate mastery of the spectrum of bank products including credit, international, cash management, capital management, leasing and consumer products
• Skilled in organizing and leading involved sales initiatives, including generating complex, customized proposals
• Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.

JOB FUNCTIONS

• Retain and strengthen current relationships and seek to develop new business
• Develop strategies for maintaining and further penetrating existing accounts 
• Execute the strategy with calls, visits, needs assessment, customer qualification and meeting follow-up to maintain, enhance and expand customer relationships 
• Respond promptly to customer issues, questions and concerns 
• Analyze financial statements 
• Make financing proposals. Negotiate terms and conditions for loans, leases, etc. 
• Actively cross-sell bank products 
• Interact with loan review 
• Exercise strong credit and pricing skills. Make both credit and pricing recommendations for credits above assigned authority and decisions for credits within assigned authority
• Maintain community involvement 
• Sponsor loan requests through the appropriate credit approval process
• Maintain and build account profitability with assigned clients, primarily by providing core banking products and services
• Manage administrative tasks, including credit analysis and processing
• May be asked to fill other credit roles as needed by immediate supervisor
• Performs Quarterly Check-ins along with an effective management plan consisting of goals for staff
• Other duties as assigned

SUPERVISORY RESPONSIBILITY

This position manages employees and is responsible for the coaching, development, and performance management of those employees.

WORK ENVIRONMENT

United location within the footprint

POSITION TYPE

This is a full-time position that requires schedule flexibility to work evenings and weekends as needed.

TRAVEL

This position requires up to 25% travel.

OTHER

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Other duties, responsibilities and activities may change or be assigned at any time with or without notice.