VP of Lending

Objective:

The VP of Lending is responsible for developing and building relationships with potential loan customers and evaluating and authorizing commercial loans. This position will act as a liaison between customers and the Bank through offering loan services and Bank products and assisting borrowers in the loan process. This position requires advanced knowledge of commercial lending and the consistent exercise of discretion and judgment.

Essential Duties:

• Assess applicants' financing needs, financial status, credit, and property evaluations to determine feasibility of granting loans.
• Explain to customers the different types of loan products available.
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Monitor existing a commercial loan portfolio to ensure proper risk ratings and early identification of potential credit deterioration.
• Maximize Bank profitability through appropriate pricing of new loans, fee income, and cross-selling the Bank's products and services.
• Negotiate terms, structure loan financing based on risk considerations, and present credits for approval to appropriate levels of authority with the Bank, as required.
• Network in the market area to develop business contacts and customers.
• Support the Bank's strong relationship-banking culture through on-going customer contact, quality customer service, and superior product knowledge.
• Maintain current knowledge of lending regulations, policies, and procedures.
• Review and update loan files.
• Engage in loan collection activities.

Secondary Duties:

• Other duties as assigned.

Knowledge, Skills, and Abilities:

• Must demonstrate our core values of Integrity, Value, Service Excellence, & Teamwork.
• Ability to maintain customer confidentiality.
• High-level decision-making and problem-solving skills
• Extensive focus on details and maintaining well-documented loan files.
• Time management skills
• Excellent communication skills (verbal and written)
• Customer-service orientated
• Interpersonal skills
• Proficient in Microsoft Office
• Sales ability to market Bank products to customers
• Organizational skills
• Financial analysis knowledge
• Knowledge of the Bank's core systems or ability to learn to use them
• Negotiating skills
• Ability to obtain and maintain necessary licensures for lending

Work Schedule:

This position requires 40 hours each week with work typically being competed between 8 a.m. and 5p.m. Evenings and weekends may be necessary to fit customers' needs and/or complete work. Travel to meet with clients at their convenience and location will be necessary.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee, with or without reasonable accommodation, to successfully perform the essential functions of this job. While performing the duties of this job, the employee is frequently required to talk and hear. The employee is regularly required to sit, walk, and use hands and arms to reach, handle, and feel. Minimal weight is lifted. Close vision is needed to complete essential job duties.

Education and Experience:

• Bachelor's degree in business administration, finance, or related field OR equivalent experience
• 3 years of experience working with loans, post-closing, processing, etc., preferred
• Banking experience preferred

Work Environment:

This job operates in an office setting. This role routinely uses standard office equipment, such as computers, phones, and photocopiers. Travel outside of the office will occur often throughout the week.

Perks of the job:

• Group Health Insurance
• Group Dental & Vision Insurance
• Life, AD&D & LTD Insurance
• 401(k) Plan - Employer matching available
• Employee Assistance Program
• Discretionary Profit Sharing Plan
• Discretionary Bonus Plan
• Profit Sharing Plan
• Paid Time Off (Holidays, sick time, personal time, and vacation)
• 8 hours of paid time volunteer with a charity of their choice.