Director of Lending

This position reports to the President of the bank

The Director of Lending (DL) reports directly to the President of the bank. The DL is responsible for managing the total loan portfolio for the bank and lending sales program The DL will assist in formulating the Bank's future direction, including long term strategic initiatives, annual business plans and budgeting, implementation and monitoring. The DL is responsible to make certain all loans are made within bank policy and applicable laws and regulations. This position is responsible for overall credit quality of the portfolio and assuring that the bank is achieving margin and fee income goals. In conjunction with the Bank President, this position will be responsible for setting credit policy for approval by the Executive Committee and the Board of Directors.

ACCOUNTABILITIES:

Loan Portfolio Management:

• Responsible for managing the overall loan portfolio. This responsibility includes credit policy, underwriting standards, credit quality, credit approval, operations process, compliance process and the profitability of the portfolio.

• This position will pay particular attention to credit quality. Responsibilities include overseeing the collection of delinquent credits and administration of special assets.

• Identify and develop long term lending strategies including portfolio mix, growth strategies and market penetration objectives through sound analysis.

• Analyzing the loan portfolio to identify trends, grown loan volume, help develop loan promotions and product development.

• Stay abreast of and provide recommendations on new regulatory developments impacting lending policies, product compliance and loan underwriting guidelines.

• Participate in continual and process and technology improvements.

• Responsible for the Bank's involvement in all secondary market activities.

New Business Development and Community Involvement:

• Responsible for calling on key customers, high visibility to key customers. Responsible for calling on prospective customers of the Bank.

• Responsible for generating new commercial loan volume for the bank. This will include soliciting new business relationships and deepening relationships with existing customers, meeting and/or exceeding established goals; following processes through to completion.

• Responsible for referring customers to the Retail and Brokerage Service Department of the bank.

Administration Management:

• This position requires knowledge of all loan processing procedures in the loan department in order to serve as back up or train others in these duties.
• Makes decisions concerning rates
• Serve on Compliance, Risk Assessment and IT Steering Committee and attend regularly scheduled meetings.

• The position is responsible to provide loan support when necessary and will work with the Loan Compliance Officer to keep current with changing regulations.

• Oversees loans operations
• Oversees staff members to include work performance, guidance and training, time-keeping, policy compliance, etc.
• Oversees the creation of procedures/processes for loan staff to follow.
• Supports any new technology or changes in technology under the direction of the Technology Director.
• Professionally address and answer customers and assist them with resolving their questions

• As part of the overall team of bank employees, this position may be requested to assist in the support of other bank activities and projects

COMPETENCIES:

Adaptability:

• Able to adjust quickly to different work situations and remain composed under pressure and in stressful situations.

Change Management:

• Must embrace change and see change as opportunity. Must be willing to express and support management's ideas to affected staff.

Credit Quality:

• Must understand credits and credit administration as relevant to a community bank.

Compliance:

• Must understand laws and regulations that impact bank loan and deposit functions. Must understand how to review various banking functions to evaluate level of risk associated with these functions.

Management:

• This individual must be able to supervise a staff of professionals and have the ability to set targets, develop action plans, and measure results against the defined target goals.

Negotiation Skills:

• Must be able to understand key issues involved with negotiating. Must be able to listen, and approach negotiation from a 'win-win' standpoint with other employees and customers.

Oral/Written Communication:

• The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.

Sales Skills:

• The potential to understand and effectively apply selling techniques to open, develop and close a sale; must be able to create interest in a product and actively cross-sell other products and services.

EDUCATION AND SPECIAL REQUIREMENTS:

• Four-year degree in business administration or related field.

• Seven to ten years' experience in banking, making loans or a related field.

• Prior management experience.

• Demonstrated proficient computer skills, working with Microsoft Office products, office systems and programs, and the ability to successfully navigate and maintain current knowledge and skills working with technology;

• Demonstrated knowledge of the bank's loan policies and procedures
• Must be detail oriented and assure accuracy in every transaction performed, detect errors and follow through on corrections and adjustments.
• Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs and establish an effective working relationship with customers to gain their respect and loyalty.
• Must possess excellent interpersonal skills, including contacts with customers face-to-face or through phone calls as well as with all bank staff.
• The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.
• Project a positive image of the bank to all internal and external customers.
• Ability to effectively manage ones' time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.
• The ability to maintain routine and regular attendance and punctuality.
• Perform other duties and projects as assigned.