VP/Business Banking Manager

Description

Develops, manages, and grows an assigned loan portfolio in accordance with individual lending authority, Bank policy, and established goals as follows: 

• Actively solicits new commercial, commercial real estate, residential real estate, consumer, and other appropriate lending relationships within the assigned market. 
• Maintains ongoing relationships with existing borrowers and identifies opportunities to expand loan, deposit, treasury management, and other banking relationships.
• Jointly establishes annual loan production, portfolio growth, yield, fee income, credit quality, and relationship profitability objectives with the Chief Lending Officer. 
• Maintains an active pipeline of prospective borrowers and documents calling activity, expected opportunities, next steps, and follow-up dates.
• Accepts, reviews, and analyzes loan applications; evaluates repayment capacity, financial condition, collateral, guarantor support, industry conditions, and overall credit risk. 
• Structures and prices credit relationship based on risk, collateral, relationship value, Bank profitability objectives, and competitive market conditions. 
• Approves or rejects loan applications within individual lending authority and recommends credits exceeding individual authority through the established approval process. 
• Ensures an efficient and accurate lending process, including underwriting, negotiation, approval, documentation, closing, funding, and post-closing follow-up.
• Ensures loan files, financial information, collateral documentation, ticklers, and exceptions are complete, current, and maintained in accordance with Bank policy.
• Monitors delinquencies, maturities, covenant compliance, annual reviews, financial reporting requirements, collateral values, and other indicators of portfolio risk. 
• Identifies and reports potential problem loans at the earliest opportunity and develops appropriate action plans with the Chief Lending Officer. 
• Proactively manages criticized and classified credits to minimize loss exposure and achieve upgrade, restructuring, additional support, or orderly repayment as appropriate. 
• Maintains appropriate contact with borrowers throughout the life of each credit relationship and completes renewals, reviews, and maturities on a timely basis. 
• Works toward established goals for net loan growth, portfolio yield, fee income, credit quality, relationship profitability, and customer retention. 

Manages the assigned banking office to meet the financial services needs of customers and achieve established performance objectives as follows: 

• Works with management to establish annual loan, deposit, sales, profitability, customer service, and operational objectives for the office. 
• Ensures the office is appropriately staffed and that employees are trained to meet customer service, relationship development, compliance, and operational expectations.
• Directly supervises assigned personnel, including selection, orientation, training, scheduling, coaching, performance management, and administration of established personnel policies. 
• Conducts regular staff meetings and individual coaching discussions; establishes clear goals and holds employees accountable for results. 
• Ensures office operations are performed in accordance with Bank policies and procedures, including balancing, vault and cash controls, negotiable instruments, opening and closing, security, maintenance, and customer information protection. 
• Promotes teamwork among business banking, retail banking, mortgage, consumer lending, operations, and other Bank departments. 
• Serves as an active member of the office customer service and sales team and remains accountable for the office's overall performance. 
• Assists in developing the annual budget for the office and manages results within established budget parameters. 

Develops new business and full banking relationships within the assigned market as follows:

• Makes regular outside calls on existing and prospective customers, including businesses, professionals, property owners, investors, and community organizations. 
• Develops referral relationships with accountants, attorneys, real estate professionals, builders, contractors, insurance professionals, business owners, and other centers of influence. 
• Identifies commercial and consumer deposit opportunities associated with lending relationships and works to make the Bank the customer's primary financial institution. 
• Promotes checking, savings, money market, certificate of deposit, treasury management, merchant, mortgage, and other appropriate Bank products and services. 
• Participates in joint calls with other lenders, banking office managers, and Bank specialists when joint calling improves the opportunity to develop or expand a relationship. 
• Actively participates in business and community activities in a manner that reflects favorably on the Bank and supports meaningful relationship development. 

Maintains sound credit administration and risk management practices as follows:

• Maintains current knowledge of Bank loan policy, operating procedures, underwriting standards, and applicable lending and banking regulations. 
• Cooperates with Loan Review, Compliance, internal and external audit, and regulatory examiners in reviews of lending relationships and office operations. 
• Ensures adherence to internal controls and promptly addresses identified exceptions, findings, and corrective actions. 
• Balances production goals with prudent credit judgement and the Bank's overall safety and soundness objectives. 

Cooperates with, participates in, and supports adherence to all internal policies, procedures, and practices in support of risk management, workplace conduct, overall safety and soundness, and compliance with applicable regulatory requirements, including the Community Reinvestment Act, Bank Secrecy Act, Equal Credit Opportunity Act, Fair Lending requirements and the S.A.F.E. Act. 

Communicates with the Chief Lending Officer, Retail Banking management, other banking office managers, lending personnel, and appropriate staff to integrate goals, coordinate customer relationships, and resolve issues. 

Responds to inquiries and requests from customers, Bank personnel, auditors, and other authorized parties within established time frames and in accordance with policy.

Maintains appropriate records and provides assigned loan production, portfolio quality, business development, office performance, and other reports on a timely basis. 

Performs other duties and responsibilities as assigned or required. 

Requirements

This position is an on-site exempt position. 

Education/Training: A B.S. or B.A. degree in business, finance, accounting, or a related field normally required; specialized banking and lending education and training; mandatory S.A.F.E. Act registration, as applicable. 

Skills: Proficient reading, writing, grammar, and mathematics skills; proficient interpersonal relations, communication, negotiation, and sales skills; demonstrated management and supervisory ability; proficient ability to analyze and interpret business and personal financial statements, tax returns, cash flow, collateral, and guarantor support; thorough knowledge of commercial, real estate, consumer, and deposit products and services; proficient knowledge of loan structuring, underwriting, pricing, documentation, portfolio administration, Bank operating policies and procedures, and applicable laws and regulations; ability to develop and maintain a profitable, high-quality loan portfolio; proficient PC skills; visual and auditory skills; valid driver's license. 

Experience: A minimum of seven (7) years of progressively responsible banking and lending experience, including demonstrated experience in loan production, portfolio management, business development, and employee leadership, normally required.