VP, Commercial Loan Officer

Position Description

Title:

VP, Commercial Loan Officer Department:
Commercial Lending

Reports to:

SVP, Team Leader Commercial Lending Supervises:
None Classification:
Exempt Date Prepared:
October 31, 2025

Summary / Objective The VP, Commercial Loan Officer is responsible to generate new commercial lending business by meeting with clients, prospects, and referral sources. The responsibility also involves interviewing applicants to gather information regarding loan needs, earnings, and financial conditions, in order to determine the best product that meets the customer needs. The incumbent will obtain credit information and make loan recommendations to loan committee based on the risk levels associated with the loans.

The incumbent is also responsible for monitoring their portfolio for on-going risk, including documentation, the security for the loan, and the on-going business conditions and rental income that serve as the source of cash flow for the loan. Responsibilities include staying in touch with the client and continually monitoring their financials and the condition of the collateral, by periodically doing site visits and documenting same with memos to the file and updating the SVP, Team Leader Commercial Lending on the state of each relationship.

The incumbent will also expand the deposit relationships of their clients, expand the overall increase in new deposits for the bank, and support the goals of the Bank.

Experience &

Education Requirements:

Bachelor’s degree or equivalent experience in a lending environment

Extensive knowledge in financial institution’s commercial lending policies and procedures

Five to ten years progressively responsible experience in commercial lending with thorough understanding of credit analysis

Essential Job Functions:

Originates and reviews commercial loan requests as well as works to increase Bank deposits

Interviews business loan applicants, provides counsel and works with the credit department to underwrite loans using industry and Bank guidelines

Reviews appraisals, credit reports, background checks, reference checks and other information as needed on loan applicants

Outlines loan terms and conditions, and informs the borrowers of loan commitments

Develops and recommends new loan policies & procedures to upgrade and improve the loan services for the benefit of the commercial loan department

Researches new legislation and regulations that may affect the financial institution’s lending policies. Ensures compliance with new rules by advising senior management and implementing appropriate changes

Participates in the development of marketing programs for the financial institution’s commercial non-real estate lending services

Actively participates in local business and community activities

Provides regular reports to the SVP, Team Leader Commercial Lending on lending activities

Develops new relationships and services exiting relationships

Recommends proposals to expand current business for commercial real estate and C&I lending

Maintains knowledge of department policies and procedures through internal and external training activities

Monitors their current portfolio for evolving risks and issues and elevates any issues immediately to the SVP, Team Leader Commercial Lending Monitors underlying business trends in industries and markets in which the Bank does business.

Makes periodic site visits to the Borrowers and visits the collateral that support the loans.

Required knowledge, skills & abilities:

Good understanding of lending procedures, laws and regulations

Sound knowledge of loan policy, compliance, loan operations and quality customer service

Excellent oral and written communication skills, strong computer skills including word and excel

Attention to detail, ability to multi-task and proven organizational skills

Ability to apply critical thinking and problem solving skills

Ability to adapt to changing demands and requirements

Ability to work in a collaborative environment

Compliance with BSA regulations as appropriate to the position

Ability to apply sound judgment to decision making

Physical Demands and Work Environment:

Ability to use standard equipment such as computers, phones, photocopiers

Must be able to work schedules that meet the needs of the Bank, which may include early morning, evening and/or weekend hours

Frequently local travel for bank purposes and/or on behalf of the bank (i.e. meeting with customers, networking, community/marketing events)
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
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