SVP, Commercial Lending

Description

The Senior Vice President of Commercial Lending will manage the commercial loan activity for all regions, establish loan policies and guidelines, and monitor the commercial loan portfolio. This role is crucial for rebuilding our ability to provide business lending and deposit services in Sarasota and Manatee counties in Florida. The SVP will assist in refreshing policies and procedures, evaluating the market to ensure product offerings align with market needs, and making changes to products and credit policies to ensure risk mitigation and program success. Additionally, the SVP will be responsible for recruiting support staff and lending officers, as well as developing business relationships with other banks to establish loan participation relationships.

Essential Functions:

• Commercial Loan Management: 
  • Manage the commercial loan portfolio and establish commercial loan policies and objectives.
  • Develop new commercial loan products/services as needed.
  • Manage large and complex commercial loan relationships.
  • Approve loans within loan authority limits or recommend approval to Supervisor or Loan Committee.
  • Monitor loan portfolio for past due accounts and take corrective action.
  • Maintain existing commercial loan relationships to ensure satisfaction with commercial products and bank services.
  • Provide training and guidance to Financial Center staff for understanding and referring commercial products.
• Market Evaluation and Product Alignment:
  • Evaluate market conditions to ensure product offerings align with market needs.
  • Make changes to products and credit policies to ensure risk mitigation and successful program implementation.
• Policy and Procedure Refreshment:
  • Assist in refreshing policies and procedures to align with current market and regulatory standards.
• Staff Recruitment and Development:
  • Recruit potential candidates for support staff and lending offices.
  • Mentor and develop Commercial Loan Officers I, II, and III by providing regular feedback on performance, opportunities for development, and handling employee disciplinary issues professionally.
• Business Development:
  • Actively seek business development opportunities within the market and establish new profitable customer relationships.
  • Build relationships with other banks to establish loan participation relationships.
  • Represent the bank in the local community by participating in civic and community events and activities.
• Community  Integration:
  • Drive growth in the bank's community development efforts, fostering relationships and identifying personal and business relationship opportunities in the community.
  • Enhance the bank's presence and reputation through strategic partnerships, outreach, and innovative solutions catering to the unique needs of residents and businesses.  

Secondary Functions:

• Attend various committee meetings and planning sessions as needed.
• Work with Financial Center management to develop other relationships to maximize cross-selling opportunities.
• Stay current with industry knowledge and regulations by completing training sessions as scheduled.
• Contribute to the team effort by working on special projects/reports and performing other job-related duties.

Requirements

Job Standards:

• Meet or exceed annual loan production goals established each year.
• Meet or exceed established individual annual commercial loan delinquency goals each year.
• Meet or exceed annual fee income goals established each year.
• Assist each assigned Financial Center Sales Manager to meet or exceed established small business loan production and cash management account goals each year.
• Demonstrate excellent customer service skills on the telephone and in person.
• Respond to requests and/or questions by the end of the workday in keeping with Liberty’s Sunset Policy.

Physical Requirements:

• Talking—Ability to express or exchange ideas by means of the spoken word.
• Hearing—Ability to receive detailed information through oral communication.
• Seeing—Ability to view a computer screen for an extended period of time and/or identify individuals visually.
• Walking—Ability      to use feet and legs to move from one place to another specifically in narrow/confined spaces.
• Finger dexterity—Ability to work with fingers for handling documents and using a keyboard.
• Driving—Ability to travel to various/multiple locations or client sites.

Knowledge, Skills, and Abilities:

• Bachelor’s Degree in Finance, Business, or a related field, or equivalent business-related experience required.
• Minimum 10 years of experience in commercial banking and 5 years of supervisory experience required.
• Strategic thinker with the ability to make decisions and drive to achieve aggressive objectives/standards.
• Proven ability to analyze market information and create a vision to maximize business opportunities.
• Ability to establish and maintain effective working relationships with executives, managers, legal staff, employees, regulators, and outside auditors.
• Demonstrates strong leadership abilities with a professional manner and presents a well-groomed, business-like appearance.
• Ability to communicate verbally and in writing with all types of individuals and demonstrate strong presentation abilities.
• Ability to work well under time constraints, adapt to changing situations, and have strong organizational/analytical skills.
• Ability to attend meetings or perform assignments at locations outside of the office and travel as necessary.
• Ability to use industry-related software and work a flexible schedule according to department/financial center needs.

Benefits:

• Health, dental, and vision insurance
• Retirement plan with company match
• Paid time off (PTO) and holidays
• Professional development opportunities
• Employee assistance program (EAP)
• Flexible work schedule options

An Equal Employment Opportunity Employer/Minorities/Females/Veterans/Disabilities