Director, Commercial Development

Reports to: SVP, Commercial and Lending Operations

Supervises: 5 (directly) 0 (indirectly) 

ESSENTIAL FUNCTIONS

• Mentorship & Leadership: Guide, develop, and mentor lenders to enhance their expertise in loan structure, relationship and portfolio management, and business development strategies.


• Loan Pricing & Structuring Expertise: Educate lenders on complex loan structures appropriate pricing and drivers of loan pricing, risk assessment, and creative financing solutions to better serve commercial clients.


• Coaching on Relationship Management: Train lenders to build and maintain strong, long-term relationships with clients, ensuring exceptional customer service and strategic financial support.


• Loan Growth & Quality: Drive loan portfolio growth while maintaining a strong focus on credit quality and risk management.


• Deposit Growth Strategies: Working with the Director of Commercial Deposits and Treasury Services, develop and implement strategies to increase deposit growth and expand business banking relationships.


• Business Development: Identify market opportunities and equip lenders with the skills and tools necessary to grow their portfolios.


• Collaboration & Communication: Work closely with underwriting, credit analysts, and loan administration team to foster a professional environment focused on high-quality growth.


• Regulatory Compliance & Best Practices: Ensure adherence to all industry regulations and internal policies while fostering ethical lending practices.


• Performs additional responsibilities and tasks as assigned to support departmental and organizational objectives.

EDUCATION/ EXPERIENCE

• Bachelor’s degree in business, Finance, Economics, or a related field or equivalent experience.


• Eight (8)+ years of experience in commercial banking, lending, or financial services.

 OTHER SKILLS AND ABILITIES

• Proven leadership experience in managing and mentoring lenders.


• Strong expertise in loan structuring, financial analysis, and credit risk assessment.


• Excellent communication, coaching, and negotiation skills.


• Strategic mindset with the ability to drive growth and manage risk effectively.


• Ability to develop high-performing teams and cultivate a strong client network.

 PERFORMANCE MEASUREMENTS:

• Loan Growth: Achieving defined targets for portfolio expansion.


• Loan Quality: Maintaining a strong credit portfolio with minimal delinquency rates.


• Deposit Growth: Increasing commercial deposits in alignment with company goals.


• Team Development: Improvement in lender performance, knowledge, and client engagement.


• Client Retention & Satisfaction: High retention rates and positive client feedback.


• Revenue Growth: Contribution to overall profitability through strategic financial solutions.


• Compliance & Risk Management: Adherence to industry regulations and risk assessment standards.

 SERVICE STANDARDS:

• Own the Issue

o    Build confidence that you will help through your words and actions.

o    Minimize the team/member’s effort.

• Personalize the Experience

o    Show that you care about the person and the issue.

o   Adapt to the team/member’s pace, style, and emotional tone.

• Be Authentic

o    Be genuine.

o    Be present in the conversation to avoid sounding mechanical.

• Understand, then Solve

o    Aim for one-call resolution.

o    Address the underlying issue vs. just the request.

o    Be crystal clear on next steps.

• Be Curious to Exceed Expectations

o    Pick up on cues and clues indicating other needs.

o    Engage in conversation to discuss broader needs.

o    Help the member access additional resources, products, and services to gain more value.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk, hear, and sit. This position requires standing, walking, bending, kneeling, stooping, crouching. The employee may occasionally lift and/or move items over 15 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus. 

WORK ENVIRONMENT:

Typical office – no hazardous or unpleasant conditions.

 We are an EEO Employer 

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included.  Peripheral tasks, only incidentally related to each position, have been excluded.  Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions.  In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive.  Supervisors as deemed appropriate may assign additional functions and requirements.  

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals.  However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization. 

Job descriptions are not intended and do not create employment contracts.  The organization maintains its status as an at-will employer.  Employees can be terminated for any reason not prohibited by law.