VP Commercial Lender

Description

POSITION FUNCTION
:

Reporting to the Chief Loan Officer, the Commercial Lender is responsible for originating, developing, and managing a diversified portfolio of Commercial Real Estate (CRE) and Commercial & Industrial (C&I) loans.

This position combines proactive business development, relationship management, credit analysis, and portfolio oversight. The successful candidate will demonstrate strong commercial lending expertise, sound credit judgment, and a proven ability to establish and maintain profitable, long‑term banking relationships.

ESSENTIAL FUNCTIONS:

Drive Commercial Lending Growth.

• Identify, develop, and cultivate new commercial lending opportunities through networking, referrals, community involvement, and existing customer relationships.
• Originate and structure CRE and C&I financing solutions, including commercial mortgages, term loans, revolving lines of credit, equipment financing, and other business lending products.
• Partner with business owners, commercial property investors, and other borrowers to understand their financial objectives and recommend appropriate lending solutions.
• Build and maintain a strong pipeline of commercial lending opportunities while working toward established loan production and annual net portfolio growth goals.
• Collaborate with Business Development and Retail Banking teams to identify opportunities for commercial deposits and additional banking relationships

Deliver Thoughtful Credit Solutions:

• Evaluate borrower financial statements, business plans, cash flow, collateral, and repayment capacity to assess creditworthiness.
• Analyze commercial real estate transactions, including property cash flow, debt service coverage, loan-to-value considerations, and overall transaction risk.
• Assess C&I lending opportunities through analysis of operating cash flow, working capital, leverage, liquidity, and business performance.
• Work closely with Credit Analysts and Underwriting to structure sound credit facilities consistent with the Bank's lending policies and risk appetite.
• Prepare and present credit proposals to Loan Committee, including appropriate financial analysis, recommended loan structures, and risk mitigation strategies.
• Coordinate with legal and loan documentation teams to facilitate accurate loan agreements,

Manage and Grow Your Portfolio

• Maintain responsibility for the ongoing performance, credit quality, and profitability of an assigned commercial loan portfolio.
• Monitor borrower financial performance, loan covenants, repayment activity, and changing risk conditions.

Be a Trusted Banking Partner

• Develop lasting relationships with commercial customers by providing responsive service, thoughtful guidance, and practical financial solutions.
• Serve as a primary point of contact for commercial borrowers throughout the lending relationship.
• Collaborate with internal departments to deliver seamless, professional customer experience.
• Represent Savers Bank through community involvement, professional networking, and Bank-sponsored events.
• Maintain compliance with applicable banking regulations, including Know Your Customer (KYC), Anti-Money Laundering (AML), and internal credit policies.

Additional Responsibilities

• Assist in overall Bank development projects, create respectable customer and internal relations, and provide a favorable public image for the Bank.
• Participate in bank-wide initiatives, training, and meetings to stay informed about product offerings and best practices.
• Annual “Net Portfolio Growth” goals will be set each year.
• Work collaboratively with other departments (e.g., credit, operations, legal) to ensure seamless loan processing and client service.
• Attend and participate in community activities and bank events as directed.
• Perform related…