- Manages all aspects of Bank's commercial lending portfolio, including analysis, development of growth strategies, new business development, profitability analysis and risk tolerance.
- Leads in planning business goals for the organization, particularly those relating to loan volume, type growth, delinquency ratio, profitability, and other revenue generating products and services.
- Develops new business according to individual goals for loan growth and fee income while meeting interest margin guidelines; explores alternative avenues (e.g., in person, relationship selling, digital, etc.) to originate loans and identifies innovative solutions to increase lead generation and marketing awareness of the Bank's product offerings.
- Manages existing relationships by proactively seeking additional business, promptly working future maturities, and participating in the annual review process to determine if additional lending needs are present.
- Maintains customer records in a manner that promotes effective and routine calling activity and minimizes risk; identifies and maintains information on top customers and referral sources.
- Generates loan volume and fee income according to annual budget.
- With each customer interaction in person and on the phone, seeks opportunities to deliver excellent customer service; troubleshoots and solves account problems; promotes all business account services; educates customers in using products to deepen relationships and satisfaction.
- Develops and implements systems, risk control, and policies and procedures in line with regulatory requirements, Bank's policies, and targets.
- Actively participates in the professional growth of all staff in Commercial Lending, and actively creates an environment that promotes positive communication and teamwork, efficiency and productivity, strong internal communication, and compliance with Bank policies and procedures.
- Bachelor's degree in finance or related field required.
- Current registration under the National Mortgage Licensing System and Registry (NMLS) preferred.
- Minimum ten years' experience in the banking industry; minimum six years' experience in commercial banking and lending.
- Strong credit experience required.
- Experience in sales and new business development required.
- Experience in all aspects of lending, including regulatory compliance, required.
- Ability to successfully complete internal training programs around, and maintain ongoing education in: Bank operations, services and products; industry regulations; and policies and procedures.
- Ability to maintain proficiency in software relevant to job responsibilities.
- Must live in, or be willing to relocate into, the greater Hibbing area.
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Bank Vice President and Senior Commercial Lender - Hibbing, United States - Terch & Associates - HR Consulting
1 week ago
Description
Job DescriptionTerch & Associates, on behalf of Security State Bank of Hibbing, is seeking a customer service and finance professional to serve as the Vice President/Senior Commercial Lender of the Bank.
Security State Bank of Hibbing knows that its employees are its biggest advantage, and so the ideal candidate is one who will be involved as a team player in the Bank and as a good citizen within their community. The Bank is independently owned by 230 shareholders, with no shareholder owning more than 5%, and is managed by a 7-person board of directors.
The Bank prioritizes long-term stability over short term gains. The ideal candidate will be one who can strategize and execute lending policies and practices that will allow the bank to continue to prosper.
The top candidates for this role will be those with advanced and articulable commercial lending and policy development experience. They must oversee, develop, and manage a quality and diverse commercial loan portfolio, set the strategy, organize, and direct commercial lending functions of the organization, and lead the commercial lending team, including collaborating with team members to set and meet bank and individual professional growth goals, and mentoring. This position will also play a guiding role in ensuring that the Bank's customers have a high-quality customer experience.
This position will be located on-site in Hibbing, Minnesota.
REPORTS TO: President / CEO
ESSENTIAL FUNCTIONS:
Please submit a cover letter, resume, and three professional references anywhere this position is posted or to the careers page of All candidates will remain strictly confidential. No professional references will be contacted until the final stage and with the candidate's prior knowledge.