Reporting to the President/CEO of a growing community bank with a down to earth culture and 130 employees, the EVP/Chief Credit Officer will oversee and direct the Bank’s overall commercial credit and lending strategy, covering both SBA and conventional commercial lending. This role will develop credit risk and management policies and procedures, supervise the credit underwriting and administration functions, and implement risk management strategies to ensure the maintenance of a high quality commercial portfolio.

Highlights:

• Join a growth-minded, niche financial institution that is regularly ranked on the Top 100 7a Small Business Administration (SBA) lenders in the nation, with an organizational focus on future expansion with small business customers and common-sense lending.
• Take on a visible and high-impact executive role that will steer the credit culture and ensure strong credit management for a growing bank.
• Emphasis on quick, common sense credit decisions that allow for growth. Bank will often do common-sense loans that many banks can’t accommodate, while maintaining strong credit quality.
• Ability to provide loans to a variety of borrowers, such as restaurants, hotels, gas stations, assisted living, manufacturing, retail, and many other industries.
• Combination of loan types, including commercial real estate, equipment loans, acquisition financing, refinance, and start-up capital.
• Family-like culture where you are not just a number, where you can have fun while you work and see measurable impact from your contribution.

Performance Objectives:

• Collaborate with the bank’s SBA and commercial lenders across 6 states to evaluate, approve or decline, process, and service SBA and commercial loans across the bank’s footprint.
• Approve loans up to $500,000 and collaborate with key executive team members to co-approve loans up to $3 million in aggregate exposure.
• Chair both the Executive Loan Committee and the Board of Directors Loan Committee.
• Oversee and direct the staff assigned to the Commercial Credit and Administration Departments with respect to credit underwriting and administration, processing, closing, and servicing of all new and existing Commercial Loans.
• Play a vital role on the executive team in developing short and long-term strategies regarding Commercial Lending goals and objectives.
• Maintain current knowledge and understanding of regulations, industry trends, current practices, new developments and applicable laws regarding all aspects of Commercial Lending.
• Participate on the Bank’ s ALCO Committee.
• Prepare budget, manage expenditures, and report any budget variances on an annual basis.
• Perform personnel actions including performance appraisals, disciplinary actions and interviewing candidates for employment; supervise the daily activities of the department including, but not limited to, effective delegation of assignments, developing work schedule and providing necessary training.

Background Profile:

• 10 to 15+ years of commercial lending and credit management experience, with at least 3 to 5+ years approving commercial credit.
• Exposure to both SBA and conventional commercial lending.
• Ability to negotiate conflict and maintain constructive working relationships with people at all levels of the organization.
• Continuous on-the-job training with respect to policies, procedures and various regulations.
• Excellent attention to detail and accuracy, communication, teamwork, and leadership skills.
• Strong interpersonal and organizational skills.
• Formal credit training is a plus.
• Bachelor’s degree.