Responsible for originating and managing a commercial loan portfolio including SBA and Small Business Lending as well as conventional commercial lending in order to ensure quality and profitable growth of the SBA Conventional Commercial Loan Portfolio; developing, implementing, and achieving annual goals and objectives as established in the Bank's annual operating plan; ensuring the division's compliance with various operating policies and procedures and various regulatory requirements; supervising assigned personnel; communicating and interfacing with other divisions and management personnel; providing periodic management reports.
Originate and manage an SBA/USDA and Conventional Small Business Commercial loan portfolio to ensure quality and profitable growth of the Commercial Loan Portfolio as illustrated by the following:
Assists in the development and maintenance of a sound credit policy which is consistent with the Bank's philosophy of lending.
Assist in establishing interest rate guidelines, fees, and other charges that are consistent with overall Bank policies and that are competitive and profitable for the Bank.
Reviews SBA, USDA and conventional commercial loans originated by the Bank for compliance with lending objectives, policies, and procedures.
Participates in strategic development of industry verticals and build out of the commercial lending platform.
Solicits new commercial business from both present and prospective customers, frequently meeting with clients off-site and at the bank.
Develops and manages significant small business commercial loan accounts.
Ensures commercial expertise is provided to bank personnel.
Ensures cooperative business development effort between the Commercial Lending and Retail Deposit functions of the Bank.
Monitors commercial lending effort to ensure adherence to Bank loan policies and procedures.
Assists in the development of in-house training programs for commercial and retail personnel.
Primary liaison with the bank's SBA/USDA outsourced loan service provider.
Material participant in the eventual SBA 750 agreement application, construction and build out of an in-house preferred lender platform.
Oversight of 1502 reporting.
Experience: A minimum of four (4) years' combined experience in conventional commercial lending and SBA 7(a) origination, with a focus on government guaranteed lending. SBA 504, USDA and/or Farmer Mac lending experience is beneficial, but not required.
Education/Training: A BS or BA degree in Finance, Accounting, Business Administration or related field of study. Advanced degree a plus.
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