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VP, Commercial Loan Officer

The VP, Commercial Loan Officer is responsible for aggressively soliciting and servicing prospective customers, producing a variety of commercial loans, as well as generating and managing a portfolio of business and corresponding relationships, while seeking new accounts through calling efforts, marketing, and referrals, and may also be responsible for managing commercial lenders.

To perform this job successfully, an individual must be able to perform the following satisfactorily; other duties may be assigned. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Develop commercial real estate loans and deposit business by identifying prospects through a variety of sources, including calling on and setting up appointments with potential loan prospects.
Analyze financial information, including balance sheets, income statements, cash flow statements, and tax returns, to form an opinion of the creditworthiness of applicants based on sound risk-based examination of strengths and weaknesses.
Determine appropriate risk ratings and make recommendations for approval/denial of loan requests.
Act as a mentor to less experienced credit staff, including technical guidance, time management skills, lending policy interpretations, and critical decision-making skills.
Provide analytical support directly to the President & Chief Executive Officer to identify and measure credit risk and emerging trends within the association’s overall loan portfolio.
Identify and generate leads for new business opportunities; obtain and analyze background information on potential customers.
Analyzes client-provided financial information to appropriately underwrite and/or present credit structures for approval. Understands credit structures for underwriting commercial loans and adheres to company policies and procedures.
Prepare written credit memorandums for presentation and approval.
Monitor compliance with CRC-approved terms for ongoing information requirements such as monthly financial statement information, borrowing base information, and/or loan or letter agreement covenants.
Exercise loan authority to make loans, issue letters of credit, lines of credit and pay overdrafts within designated authority.
Calls on customers and makes on-site visits to business customers to maintain rapport and to cross-sell other products and services. Calls on CPAs, attorneys, title companies, real estate brokers, and other sources to develop referral sources for new business.
Active in the assessment of annual credit goals and objectives to optimize utilization of human and financial resources and to achieve corporate financial goals.
Provide input and feedback to executive management regarding credit decisions on specific transactions.
Participate in meetings with other units/departments to provide input and improve the process.

The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Comprehensive understanding of commercial and real estate underwriting practices and regulatory governance of commercial lending activities.
In-depth knowledge of economic, market, and competitor pricing trends to make informed recommendations for product pricing adjustments.
Strong leadership and organizational skills to effectively motivate and develop teams.
Well-developed interpersonal skills to positively represent the bank in interactions with staff, clients, vendors, management, and directors.
Proficient in auditing loan portfolios to ensure compliance with policy guidelines.
Effective problem-solving skills to investigate and resolve issues related to clients' accounts.
Ability to make decisive decisions and attend meetings, reporting on areas of responsibility as requested by the President.
Capability to work closely with senior management and various departments to implement programs that enhance the bank's growth.
Competence in monitoring economic, market, and competitor pricing, and making necessary adjustments.
Aptitude for collaborating with the President, CEO, CFO, COO, Branch Managers, Human Resource Manager, Marketing, and Compliance Coordinator.

UTB Employee Benefits:

As a full-time UTB employee, you’ll enjoy an array of benefits, including a generous Paid Time Off allowance available for use during your first year, along with a great paid holiday schedule. We also offer our employees a selection of other benefits, including:

Medical
Dental
Vision
Health Reimbursement Arrangement (HRA)
Flexible Spending Account (FSA)
Health Savings Account (HSA)
401(k) with Employer Match

Life Insurance – Employer Provided
Supplemental Life - Voluntary
Short-term Disability
Long-term Disability
Prescription Discount
Discount Legal Services
ID Theft Protection Services
Pet Insurance

UTB is an equal opportunity employer. Qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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