Commercial Lender Team Lead

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.