VP Commercial Lending

Duties and Responsibilities

• Independently develops a pipeline of commercial lending opportunities through direct calling, referrals, centers of influence, and community involvement. Sources a substantial portion of their own transactions and achieves established annual loan production, deposit, fee-income, and relationship-growth goals.
• Owns the credit process from application through closing. Collects and validates complete financial information; analyzes business and personal financial statements, tax returns, cash flow, collateral, guarantor support, industry conditions, and repayment capacity; assigns an appropriate risk rating; identifies and mitigates key credit risks; and prepares a clear, well-supported credit memorandum and recommendation. Approves requests within delegated authority or presents them to the appropriate approval body, then coordinates documentation and closing.
• Actively manages an assigned commercial loan portfolio, including timely covenant monitoring, annual reviews, risk-rating updates, borrowing-base or collateral monitoring, documentation follow-up, and collection of current financial information. Proactively identifies deteriorating credits, past dues, policy exceptions, and emerging risks; develops action plans; and escalates concerns promptly to preserve credit quality and minimize losses.
• Troubleshoots and resolves internal and external inquires.
• Approves loan within established limits or refers loan to loan committee for approval. Verifies loan agreements are complete and accurate according to policy.
• Structures transactions—including loan amount, amortization, maturity, pricing, collateral, guarantees, covenants, and reporting requirements—to align repayment sources and risk with the member relationship, market conditions, and company policy.
• Leads collection and workout efforts for assigned relationships, working with credit leadership and other partners as appropriate to resolve delinquencies, reduce exceptions, and minimize charge-offs.
• Must comply with all company policies and procedures, applicable laws, and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.