ROLE SUMMARY

The Commercial Banking Team Leader is responsible for the origination, evaluation and structuring of complex Commercial lending loan requests and transactions in and around the assigned region. Additional responsibilities include managing the activities and assisting in the development of assigned Relationship Managers, portfolio management and cross selling other Bank products and increasing the Bank’s visibility in the marketplace.

ESSENTIAL FUNCTIONS AND RESPONSIBILITIES

• Solicits credit-worthy potential and existing clients in an effort to develop new business and increase or retain existing business within the framework of the policy and procedures of the Bank. Promotes profitable growth of the loan and deposit portfolio and maximum customer responsiveness.
• Oversees the preparation of loan presentations including detailed financial analysis and assessment of borrower’s financial capability and credit worthiness.
• Review term sheets and previews deal summary memorandums and credit packages for presentation to credit and approval and loan committee.
• Assesses lending risks, identify offsetting mitigants, makes recommendations on loan structure displaying sound credit judgment.
• Establishes and promotes customer and community relationships, cross sells other Bank products and services, maintains continued awareness of market conditions and competition, continues education in financing products and techniques.
• Manages activities and contributes to the development of assigned Relationship Managers/Portfolio Managers. Participates in joint calling efforts and business development, assists in sound loan structuring and transaction analysis. Assists team in developing marketing and sales plans in order meet their production goals as set forth in the bank’s strategic plan.
• Facilitates closing of the loan transactions with strict compliance with approved terms and conditions.
• Proactively manages all aspects of assigned loan portfolio with emphasis on covenants and bank policy compliance, credit quality and delinquency control.
• Ability to meet personal and team annual goal.
• Other duties as assigned.

EDUCATION & EXPERIENCE

Required Education/Experience:

• Bachelor’s Degree in finance, accounting or business required or 5 additional years of experience in commercial credit analysis and commercial underwriting
• 10 years of portfolio management, business development, and commercial underwriting experience
• Formal or in-house credit training

Preferred Education/Experience:

• Leadership role or prior management experience.

CERTIFICATIONS

• Accredited Banking School Certification in Lending or related area preferred.

KNOWLEDGE, SKILLS, AND ABILITIES

Required Knowledge & Skills:

• Excellent Management Skills
• Comprehensive loan and financial analysis experience
• Comprehensive knowledge of underwriting techniques
• Proven sales and new business development skills and reputable impact & performance
• Excellent oral, written, and interpersonal communication skills with the ability to carry out instructions. Instruct others, interpret documents, understand procedures, write reports and correspondence, and speak clearly to clients, customers, and employees.
• Knowledge and training in all lending activities
• Knowledge of commercial, and commercial real estate loan processing
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures
• Proficient with credit principals and loan structuring
• Knowledge of related state and federal lending and compliance regulations and other Bank lending policies.
• Basic skills in personal computer operation, word processing and spreadsheet software.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Ability to work without supervision while performing duties
• Critical and creative thinking
• Market knowledge
• Negotiation skills; diplomacy
• Excellent organizational and time management skills
• Excellent leadership development, training, and time management skills