At Richwood Bank, our purpose is to inspire, protect, and celebrate anything that makes communities thrive.
Have you ever wanted to work for a company that exceptionally lives its values? One hundred and fifty years ago, we began as a small community bank. Today, we are still a community bank - as well as a payroll processing team, a marketing agency, a coffee shop, and more. We have flipped the switch on traditional banking. Yet, we have always aimed to provide the very best customer experience, contribute to the greater good of our local communities, and make every effort to be the best employer in the area with a company culture that works hard to develop, recognize, and award its team members.
Richwood Bank has a comprehensive benefits package for full-time employees including, but not limited
to, medical and wellness program, dental, vision, employee assistance plan, life insurance and
supplemental short-term disability. Full time and part time employees have access to a 401(k) plan, and
enhanced Wellness program, tuition reimbursement, and tons of professional development
opportunities!
This senior leadership role is responsible for driving the bank's commercial lending activities, including Commercial & Industrial (C&I) and Commercial Real Estate (CRE) lending. The Director of Commercial Lending will ensure the bank achieves its growth, profitability, and portfolio diversification objectives while maintaining the highest standards of credit quality and community engagement
Richwood Bank prides itself on a unique company culture and all team members should be active and engaged participants.
Essential Functions
Strategic Leadership
- Develop and execute the bank's commercial lending strategy in alignment with its premium pricing model and community-centric mission.
- Identify and capitalize on market opportunities to grow the C&I and CRE portfolios while balancing risk.
- Collaborate with the executive team to set and achieve loan growth, revenue, and profitability targets.
- Monitor market trends to identify growth opportunities while maintaining risk management and compliance standards.
Loan Production and Business Development
Identify and distribute opportunities to the lending team as well as personally originate new C&I and CRE loans by discovering and nurturing relationships with high-value business clients.Build and manage a pipeline of new business opportunities to meet or exceed loan production goals.Collaborate with the leadership team to design and implement strategies for attracting new commercial clients.Cross-sell banking products, including treasury management and deposit solutions, to deepen client relationships.Portfolio Management
Oversee the commercial loan portfolio, ensuring strong asset performance, diversification, and compliance with regulatory standards.Partner with the Finance team to implement pricing strategies that reinforce the bank's value proposition and drive profitability.Lead initiatives to diversify the portfolio with a focus on Commercial & Industrial, Commercial Real Estate, Agriculture / Farm and small business loans.Balance growth with profitability by developing pricing strategies that reflect the bank's premium value proposition.Monitor portfolio performance, including delinquency and risk metrics, and implement corrective actions as needed.Work with the credit team to resolve complex loan issues and maintain high credit quality.Team Leadership
Build, mentor, and lead a high-performing commercial lending team, fostering a culture of collaboration and accountability.Set clear performance goals, providing guidance and resources to meet and exceed objectives.Promote professional development and encourage cross-functional collaboration to enhance team capabilities.Lead by example, demonstrating strong business development and relationship management skills.Community Engagement
Serve as a visible and active leader in the community, cultivating relationships with local businesses, organizations, and stakeholders.Collaborate with marketing and retail teams to deliver lending solutions tailored to community needs.Represent the bank at events, forums, and networking opportunities to strengthen its community presence.Be familiar with and active in Central Ohio business communities.Operational Excellence
Ensure all commercial lending activities comply with regulatory requirements and internal policies.Streamline processes to enhance efficiency, customer experience, and operational effectiveness.Collaborate with credit administration, compliance, and operations teams to maintain smooth workflows and mitigate risk.Skills and Abilities
Strategic thinker with the ability to execute comprehensive lending plans.Exceptional leadership, coaching, and team development skills.Excellent relationship management and communication abilities.Strong analytical and problem-solving skills, with a data-driven approach to decision-making.Commitment to the values of community banking and customer-centric service.Education
Bachelor's degree in finance, business administration, or related degree required. (Master's degree preferred)10 years of progressive commercial lending leadership experience with expertise in C&I and CRE Lending.Demonstrated success in growing and managing a diversified commercial loan portfolio.Strong knowledge of banking regulations, credit analysis, and risk management practices.Proven ability to execute premium pricing strategies and deliver sustainable growth.Equal Opportunity Employer / Disability / Veterans. Richwood Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
