- Directly accountable for performance to the Regional President, who will invite input/feedback from the Chief Credit Officer on disciplines in meeting credit administration oversight expectations.
- Will have direct oversight of Lead Lending Assistant for the Region and ensure that lending support team is meeting credit administration expectations.
- Principally responsible for overall asset quality of the Regional Portfolio as a fundamental driver of the safety and soundness of the institution.
- Partner with CCO in providing input in establishing credit risk philosophy and appropriate credit risk monitoring & mitigation systems for a growing community banking organization.
- Implementation of approved lending policies, underwriting standards, and internal lending controls in alignment with evolving industry practices. Oversees all lending activity to ensure policies and regulatory compliance standards are adhered to and assists in maintaining the Banks reputable standing with all regulatory agencies.
- Implementation and monitor the Banks loan risk rating systems and loan concentration levels within the Region.
- Monitor the Banks ALLLR for accuracy levels within the Region.
- Partner with CCO in developing, maintaining, and monitoring the Banks credit authority and loan committee approval structure in alignment with appropriate risk management and credit decisioning responsiveness.
- Monitors new developments in lending and changing government regulations, communicating with CCO and all Regional Senior Lenders so that Banks policies are modified accordingly.
- Work closely with Banks Treasury Management Specialist and Deposit Specialist in providing an excellent customer service experience for our business customers.
- Analyzes economic, market, and industry trends regarding new products, services, and policies, and recommends appropriate Bank response.
- Partner with CCO in driving consistent performance and credit culture expectations within Banks defined regional/market structure; maintains active dialogue and engagement with Regional President & Lenders.
- Facilitates regular meetings with Regional President, Lenders and Lending Support Staff to make sure credit administration and policy expectations are adhered to and evolve as appropriate with the ongoing growth of the Company.
- Provide input to CCO on Credit Administration, Loan Servicing, & Collections Managers.
- Serves as an Ex-Officio (non-voting) member of the Regions Local Advisory Boards.
- Serves as a voting member of the Banks Asset-Liability Management Committee (ALCO); contributes to development of and adherence to appropriate loan pricing disciplines within construct of prudent ALCO guidelines.
- Contributes to the Banks community leadership reputation by being actively engaged in strategic community involvement activities and serving as one of the Banks leading ambassadors.
- Knowledge of the financial industry including knowledge of the various products, policies, and procedures
- Knowledge of all phases of lending, including the laws and regulations governing business (including SBA), agricultural (including FSA and Farmer Mac) and consumer lending
- Knowledge of business and agricultural financial analysis
- Knowledge of state and federal laws applying to Banks and other financial organizations
- Knowledge of collections/work-out practices
- Strong leadership abilities
- Ability to motivate employees and delegate authority
- Public relations abilities, including the ability to positively reflect the Banks image in the community and the marketplace
- Ability to systematically gather, review and interpret data from reports and personnel in order to solve problems and make effective decisions
- Ability to analyze information and use to make sound loan decisions
- Ability to read, analyze and interpret complex laws, contracts and documents
- Bachelors degree in business, or equivalent.
- 10 years progressively responsible supervisory/management experience in a financial institution, including 10 years in business and/or agricultural lending, and leasing.
- Additional executive banking/financial education desired but not required.
- Supports in developing enhanced credit training for all lenders.
- Participates with lenders on customer and prospect calls, when appropriate.
- Monitors document exception management by lenders.
- Participates in the Banks business development program on a selective basis.
- Willingly participates in all assigned duties and responsibilities.
- Member of Senior Leadership team for the respective Region of the Bank and will represent the Leadership teams responsibility to the business and all stakeholders as such.
- Regional Senior Lender will maintain a modest Commercial/Agricultural loan portfolio to include key profitable clients.
- Senior Lender Officer for the North Region will have the additional responsibility of directly supervising and managing the commercial/agricultural lenders and support staffs day-to-day responsibilities.
- Chairs Regional Officer Loan Committee and Banks Senior Loan Committee on rotating basis.
- Accountable for making sure credit quality metrics for the Region are managed in alignment with key industry metrics as a fundamental contributor to the Banks financial performance expectations.
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Senior Lending Officer - Lakeville, United States - Versique
Description
Our client is in search of a Senior Lending Officer for their North region with locations in Cannon Falls, Red Wing, Hastings, Cottage Grove, Rosemount, Lakeville, Apple Valley, Northfield, Hampton and Eau Claire, Minnesota.
This position is part of the Regional Senior Bank Management Leadership Team with responsibility for the overall management of the loan portfolio, loan approval system, loan documentation and credit administration functions. This individual will exercise appropriate credit risk management and ensure all lending and credit administration activities are compliant and within defined risk tolerance expectations. Will be an active participant in the establishment of the annual business planning, budgeting, and implementation with the other members of the Regional Team with the responsibility to manage the credit function in a manner consistent with the Banks community banking vision, mission, culture and lending philosophy.
Roles & Responsibilities
The following specific performance objectives are expected for the Senior Lending Officer:
Versique is a high-performance recruiting firm based in Minneapolis, MN specializing in interim solutions, direct hire, and executive leadership search. We believe people are the ultimate business advantage. Our experienced functional recruiting teams work within a variety of areas of expertise (HR, Finance & Accounting, Demand Generation, IT, and Engineering) and broad industries (Healthcare, Banking, Consumer Packaged Goods, Manufacturing, Private Equity, and Family-Owned). Voted as a Star Tribune Best Places to Work three years in a row by our employees, Versique is one of the largest and fastest growing staffing and recruiting firms in the Midwest. The Versique brand represents a powerful combination of versatile and unique as it hints at the concept of search in its pronunciation: ver-seek.
Versique is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, or veteran status, among other factors.
