Senior Lender

Responsible for proposing, initiating and overseeing all loan programs provided by the Bank. This position is ultimately responsible for the lending goals being set and achieved. Oversees and develops implementation of loan policies, products and strategies. Directly supervises loan officers and maintains customer relationships.

• Supervise, direct and control loan operations, commercial and mortgage loan production activities and ensure that applicable bank lending objectives, policies, procedures, and regulatory compliance requirements are met.
• Oversee the preparation of lending activity reports for bank review by the loan committee and/or the executive committee of the Board of Directors. Present loans exceeding departmental lending limits to the loan committee and/or the Board’s executive committee or as needed.
• Oversees loan presentation preparation, loan grading and pricing.
• Reviews all loan reports.
• Review commercial loans developed by subordinates and decision loans exceeding the credit authority of the loan officer managing the account.
• Develop and manage large and/or major commercial loan accounts. Interview applicants, gather and evaluate financial and related data to establish creditworthiness, establish and renegotiate credit terms where necessary, and continually monitor customers’ financial condition and repayment progress. Take action to collect from past due accounts and review servicing of loans within loan officers’ portfolios.
• Recommend interest rates and fee structures.
• Responsible for assumptions, projections and annual budgeting for the Loan Department.
• Help in the development of the Bank’s strategic priorities. Works collaboratively to establish current and long-range goals, objectives, plans and policies.
• Additional responsibilities as assigned.
• Oversee the business relationship with Mackinac Credit and Compliance.
• Be familiar with and comply with all federal and state banking regulations as applicable.

Education:

• Advanced degree or Graduate Banking School a plus but not required

Work Experience:

• 5+ years managerial experience in banking
• 10+ years commercial lending experience

Skills and Knowledge:

• Good interpersonal and excellent communication skills and a strong desire to succeed
• Ability to manage and lead employees
• Time management and organizational skills with attention to accuracy and detail
• Self-Motivated with the ability to work independently with minimal supervision while remaining a team player
• Experienced with office machines, such as computer, phone systems, copiers, etc.
• Knowledge of office management systems and procedures
• Experience with Microsoft Office, Word, Excel and other computer software
• Ability to transcribe meeting minutes
• Ability to effectively communicate via phone and e‑mail
• Uses discretion and good judgement, shows patience with others

Other

Job Responsibilities:

• Must be able to keep all sensitive information confidential
• Job includes talking, hearing and repetitive motions
• Ability to express and exchange ideas with customers and employees by means of the spoken word, either in person or on the phone
• Ability to received detailed information through oral communication
• Visual ability to perform activities such as preparing and analyzing data, transcribing, viewing a computer screen and reading procedures
• Speed and accurate use of computer, calculator and other business machines is required
• Willingness to assume new responsibilities, ability to perform under pressure and adapt to changing and possibly stressful environment is expected
• The ability to identify, assist with and resolve routine problems is expected
• Working hours may vary
• May be required to work in other branch locations as needed
• On time attendance is expected

• Generally good with some exposure to noise, heat, dust or other adverse factors
• Climbing of stairs and some lifting of heavy items
• A high amount of pressure to work efficiently, accurately and maintain good employee and customer relations
• Considerable effort and eye strain from computer work and continued checking of all detail work in the department

All applications are considered without regard to race, color, religion, creed, gender, height, weight, familial status, national origin, age, disability, marital status, citizenship status, disabled veteran or Vietnam Era Veteran status. We are an affirmative action/equal opportunity employer.