Chief Loan Officer

FCN Bank Chief Lending Officer

Department: Commercial Lending

Job Status: Full-time

FLSA Status: Exempt

Reports to
:
Chief Executive Officer

Positions Supervised: Yes

Amount of Travel Required
:
Local

Work Schedule: Monday – Friday

(Some evenings and weekends if needed)

Position Summary

The Chief Lending Officer (CLO) provides strategic leadership and oversight for all lending functions of FCN Bank, including Commercial Real Estate, Agricultural, Loan Operations, and Collections. This position is responsible for ensuring the overall quality, profitability, growth, and risk management of the Bank's loan portfolio while maintaining compliance with all

regulatory requirements and internal policies.

The CLO works closely with executive leadership and the Board of Directors to develop and execute lending strategies that support the Bank's mission of Building Stronger Communities. This includes overseeing credit quality, product development, pricing strategies, lending operations, and portfolio performance while fostering a strong culture of relationship banking and exceptional customer service.

In addition to providing leadership for the lending division, the Chief Lending Officer maintains an individual commercial and agricultural loan portfolio through relationship-based banking, business development, and community involvement.

Key Responsibilities

Executive Leadership

• Provide strategic leadership and direction for all lending, credit, loan operations, and collections functions.
• Develop, implement, and maintain the Bank's lending strategy in alignment with the Bank's strategic plan.
• Collaborate with executive leadership and the Board of Directors on growth initiatives, profitability goals, and risk management.
• Develop and maintain the Bank's Credit Policy in partnership with the Senior Credit Officer.
• Serve as a member of the Executive Leadership Team and Asset Liability Committee (ALCO).
• Serve as a permanent member of the Senior Loan Committee.
• Approve employee loan requests and lending exceptions within established authority.
• Oversee the Bank's Lender Incentive Compensation Program.
• Monitor loan portfolio performance and ensure strong asset quality.
• Ensure compliance with all regulatory requirements and Bank policies.

Department Leadership

• Recruit, develop, coach, and evaluate lending staff.
• Foster a culture of accountability, collaboration, and relationship banking.
• Provide ongoing coaching and professional development opportunities.
• Partner with the Collection Manager on workout strategies and collection efforts.
• Partner with the Loan Operations Manager to ensure efficient documentation, processing, and servicing of loans.
• Work closely with the Senior Credit Officer to maintain strong underwriting standards and credit quality.
• Evaluate departmental performance and implement continuous process improvements.

Lending & Business Development

• Develop and maintain a commercial real estate and agricultural loan portfolio through proactive calling efforts on customers, prospects, and Centers of Influence (COIs).
• Build long-term customer relationships through consultative financial solutions.
• Analyze financial information and structure sound, profitable credit opportunities.
• Approve or recommend loan requests within established lending authority.
• Negotiate loan terms and prepare written commitments and proposals.
• Monitor portfolio performance including financial statements, tax returns, borrowing base certificates, insurance, and payment performance.
• Maintain complete and accurate credit files in accordance with Bank policy and regulatory requirements.
• Take primary responsibility for collection efforts within assigned commercial and agricultural portfolio.
• Cross-sell additional Bank products and services while ensuring outstanding customer service.
• Represent FCN Bank through active participation in community organizations and business development activities.
• Perform other duties as assigned.

Skills & Abilities

Experience and/or

Education:

• Bachelor's degree in Business, Finance, Accounting, Economics, or related field, or equivalent experience.
• Minimum of ten (10) years of progressively responsible banking and lending experience.
• Significant…