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The SVP, Head of Commercial Lending is responsible for supervising a group of commercial lenders and the management of commercial loans. Develops loans, deposits and fee income with both existing and prospective customers. Negotiates loan facilities while balancing the customer”s needs with the Bank”s risk profile, growth, and earnings goals.

Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
* Analyze the applicant or client”s financial status, credit, market conditions, competition, and property evaluations to determine the feasibility of granting loans and under what terms and conditions.
* Monitor an existing commercial loan portfolio to ensure proper risk ratings and early identification of potential problems.
* Prepare for approval within specified time limits and refer loan requests outside of those limits to senior management for approval.
* Develop new loan and deposit business with prospective customers
* Communicate with applicants and existing clientele to discuss loan applications and to answer questions about the process. Explain to customers and applicants the different types of loans and credit options that are available, as well as the terms of those services.
* Obtain and compile copies of loan applicants and existing customer”s credit histories, corporate financial statements and other necessary financial information to begin the credit decision process. This would also include ordering collateral valuations if required.
* Review and update credit and loan files as required by loan policy. Monitor Commercial Loan Maturity Reports so as to evaluate the necessary steps, as well as financial and collateral information needed to be obtained from the client to underwrite renewals.
* Monitor and participate in the collection efforts of Commercial Loan Officers to assure the timely collection of all delinquent accounts. Provide direction and assistance as needed or requested in collecting seriously delinquent accounts
* Monitor and maintain a Loan Officer calling program; establish and maintain positive relationships with existing and prospective commercial customers and referral sources.
* Monitor exception reports for follow up by loan officers for correct loan documentation for errors.
* Facilitate and participate in Loan Officer training
* Conduct monthly meetings with Commercial Loan officers.