Dir of Commercial Lending

Position Description Senior Vice President Director of Commercial Lending

Identifying Information:

• Department: Loan
• Reports To: SVP Senior Lending Officer
• Status: Full-time Exempt
• Location: LCNB Operations Center, Lebanon, OH

Position Purpose:

LCNB National Bank is seeking a Senior Vice President Director of Commercial Lending. This position directs development and administration of commercial lending activities. Recruits, trains, and mentors the commercial lending team. Manages and assists in the building of the commercial loan portfolio. Assists with the development of commercial credit policy and ensures policy compliance. Manages and helps resolve complex commercial lending issues. Ensures compliance with regulatory requirements and fosters a sound lending function. Promotes bank products and services for commercial lenders and clients. Assists in developing new business, underwriting, structuring and closing of commercial loans. May maintain and service a small commercial loan portfolio if necessary. Represents the bank in its market area through active participation in community affairs.

Essential Functions and Responsibilities:

• Creates a sales culture that enables the bank to meet loan, deposit and non-interest income annual goals.
• Participates or leads the Officer Loan Committee in discussions regarding loans presented for approval.
• Participates in discussions with Senior Management and lenders on adequate loan requirements or covenants and assists with shaping individual credit opportunities for the commercial loan portfolio.
• Assists or leads interviews with applicants to determine loan structure and requirements pertinent to loan applications.
• May assist commercial lenders or analysts with the review of applicant's financial information, credit reports, and other information pertinent to loan applicant's evaluation.
• Assists with review of applicant's financial status, credit, and asset evaluation to determine feasibility of loan structure and approvability.
• Resolves uncertainties relating to customer application information through inquiries with loan officer or analyst.
• Structures loans within loan policy. Approves loans within specified limits or recommends loan requests to the Chief Credit Officer, Chief Lending Officer and/or Committee for proper approval.
• Reviews financing proposals consistent with approval for presentation to the applicant.
• Reviews appraisals for adherence to loan conditions.
• Reviews loan documentation prior to closing for completeness and acceptance by the applicant.
• Works to ensure timely loan closing and funding activities.
• Maintains a positive working relationship with commercial lending staff, customers, loan operations staff, local professionals, centers of influence, and community organizations.
• Participates in community and professional organizations and events.
• Assists with management of commercial loan portfolio including renewals, modifications, covenant compliance, updated credit analysis, collections, and portfolio monitoring.
• Uses experience and sound judgment to plan and accomplish goals.
• Comprehend, retain and apply information as necessary to perform duties and responsibilities effectively
• Additional duties as assigned

Qualifications and Education Requirements:

• Minimum of 10 years' experience in Commercial Lending, preference for existing experience within service area.
• Minimum of 5 years of direct supervision of a commercial lending or business banking sales team
• Bachelor's Degree or commensurate experience in commercial lending or business banking field.

Skills Required:

• Ability and desire to direct the commercial lending team in meeting yearly new loan origination goals.
• Ability to exercise good judgment in establishing and maintaining working relationships, solving problems, and ability to deliver a high level of accuracy, focus and timeliness with limited supervision.
• Strong written and verbal communication skills along with proficiency in Microsoft Office Suite of Programs/Products.
• Proficiency analyzing and interpreting policies, contracts, credit/financial documents and legal documents as needed.
• Ability to present, sell and service bank products as well as demonstrate professional knowledge of commercial lending.
• Strong analytical and mathematical capabilities as well as an understanding of credit underwriting and loan documentation.
• Unquestionable integrity and a genuine desire to help others

Working Conditions:

• Willingness to work on-site at stated location on the job opening, position may offer a hybrid work schedule
• Ability to remain in a stationary position up to 75% of the time
• Ability to lift and carry up to 10 lbs.
• Occasionally move/traverse to access files and equipment
• Constantly operates a computer and other office equipment

Compliance Statement:

The associate is responsible for meeting all compliance requirements imposed on LCNB National Bank by State and Federal law and regulations, as well as all related LCNB National Bank policies and procedures. Incumbent must be able to perform the essential functions of the position with or without reasonable accommodation.Equal Opportunity Employer/Disability/Veterans.