Chief Commercial Banking Officer

Duties and Responsibilities

• Proactively seeks new and innovative approaches to add value to the client relationship by providing services, whenever practical, in a highly relational and consultative manner tailored to the respective client.
• Directs all commercial lending activities while ensuring adequate internal controls. Reviews lending issues and ensures regulatory compliance. Maintains loan portfolio within bank policy and direction established by Executive Management.
• Serves as a member of the Senior Management team. Collaborates with Executive Management to develop short and long‑range strategic plans, policies, standards, and controls. Participates in the implementation of plans, policies and monitoring of ongoing progress.
• A participating member of Loan, ALCO and Marketing Committees.
• Creates and recommends the division’s organizational plan, staffing and monitoring of the achievement of individual banker goals. While overseeing subordinate activities, provides for their continued development through training and mentoring.
• Conducts periodic performance reviews and provides direction, promoting individual and unit proficiency.
• Makes suggestions for process improvements and workflow efficiency, taking action when appropriate. Evaluates and recommends department‑related costs and efficiencies.
• Analyzes and approves loan requests within lending authority. Reviews all formal credit presentations from subordinates and presents all significant credits through appropriate channels on requests exceeding lending authority.
• Ensures all lending activities comply with loan policy and appropriate regulations.
• Maintains dashboard detailing loan portfolio status, presenting to Executive Management as required. Provides loan volume analysis and balance projections to support the CEO, Chief Banking Officer and Chief Financial Officer in development of the annual budget and strategic planning forecasts.
• Reviews all loan policy annually and recommends loan policy changes for annual approval.
• Represents the Bank through participation in industry and community activities. Actively and authentically promotes interest in the Bank wherever and whenever possible.
• Encourages and monitors the referral of appropriate client opportunities to the respective internal bank partner by subordinates.
• Performs related duties as may be necessary to achieve corporate objectives and ensure the successful operation of the Bank.
• Maintains awareness of competitive lending and economic conditions.

• Bachelor’s degree in Accounting, Finance or other relevant business field ideal, or equivalent experience.
• Minimum of ten (10) years of commercial lending experience required, across all verticals and asset classes of commercial lending, in a traditional bank environment.
• Minimum five (5) years of progressive responsible leadership experience of a commercial lending platform in a traditional bank environment.
• Practical working knowledge of U.S. Small Business Administration lending programs, loan participations, interest rate hedging products, wealth and investment management, title insurance, and Federal Home Loan Bank products is essential.
• Excellent management, organizational, analytical, interpersonal, communication, negotiation, presentation and computer skills, including advanced spreadsheet expertise and at least intermediate word processing and presentation software skills.
• Ability to organize and analyze complex financial information, including capacity to read and interpret complicated financial documents.
• Capacity to speak effectively and negotiate with clients, vendors and employees of the Bank. Communicates policy and procedure revisions within the Bank in a timely manner.
• Strong written and oral communication skills and knowledge of key regulatory issues and control assessment processes.
• Problem‑solving and decision‑making skills, with ability to analyze complex information to identify the key issue/action and drive resolution.
• Required to be eligible for registration with NMLS.
• Strong business development focus and robust commitment to community and civic involvement.

Representative physical demands: sit…