Apply on Employer Site

Marion Center Bank · 4 months ago

SVP/Chief Lending Officer

Indiana, PA

Full-time

Onsite

Director/Executive

8+ years exp

Marion Center Bank is seeking a Senior Vice President/Chief Lending Officer to manage the Lending Division and ensure the quality and profitable growth of the Bank’s Loan Portfolio. The role involves developing and achieving annual goals, ensuring compliance with policies and regulations, and supervising personnel while actively participating in community activities.

Financial Services

Responsibilities

Responsible for managing the Lending Division in order to ensure quality and profitable growth of the Bank’s Loan Portfolio; developing, implementing, and achieving annual goals and objectives as established in the Lending Division's annual operating plan; ensuring the division's compliance with various operating policies and procedures and various regulatory requirements; supervising assigned personnel; communicating and interfacing with other divisions and management personnel; providing periodic management reports; actively participating in business and community activities in a manner which reflects favorably on the Bank

Manages the Lending Division to ensure quality and profitable growth of the Bank’s Loan Portfolio as illustrated by the following:

Assists in the development and maintenance of a sound credit policy which is consistent with the Bank's philosophy of lending

Understands, maintains, and implements regulatory compliance

Administers loan policies and develops loan procedures

Establishes interest rate guidelines, fees, and other charges that are consistent with overall Bank policies and that are competitive and profitable for the Bank

Reviews loans developed by loan officers for compliance with lending objectives, policies, and procedures

Within lending authority, approves or rejects loan proposals for his/her portfolio and those of other lending officers

Solicits new loan business from both present and prospective customers

Develops and manages larger and more complex relationships within lending portfolio

Assists in performing quarterly Loan Loss Analysis

Ensures early identification and reporting of problem loans to the Chief Executive Officer, and Board of Directors

Assists in managing criticized/classified credits to ensure risk is minimized and loans are upgraded or paid off as quickly as possible

Manages overall loan division profitability through maximization of pricing/fee structure and expense control

Interfaces with the Bank’s Loan Review and Compliance personnel and with various regulatory agencies in the discussion of lending relationships

Jointly establishes customer sales and service goals with assigned staff; monitors total performance of loan officers, i.e., sales performance, customer service responsiveness, administrative performance

Ensures lending expertise is provided to branch personnel; monitors branch lending efforts to ensure adherence to Bank loan policies and procedures

Ensures cooperative business development efforts between the Lending Division and other Bank divisions

Assists in the development of in-house training programs for lending and branch personnel

Chairs the Officer’s Loan Committee

Assists in the resolution of lending-related complaints

Develops, implements, and achieves goals and objectives as established in the Lending Division’s plans as follows:

Allocates division resources, e.g., human, financial, etc., toward tasks required to achieve goals and objectives

Directs, through appropriate management and supervisory personnel, day-to-day activities in support of the divisional objectives

Measures effectiveness and performance of the systems and people

Develops resources, as appropriate, to improve efficiency and productivity

Assists in the development of the annual budget and adheres to budget parameters

Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the work place

Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.; ensures that the division and all personnel adhere to the same

Directly supervises assigned personnel as follows:

Assists in the selection of new personnel as appropriate

Makes provisions for the proper orientation and training of new personnel

Reviews employee performance throughout the initial training period and on a regularly scheduled basis thereafter

Organizes, schedules, and distributes work among assigned personnel

Keeps personnel informed of pertinent policies and procedures affecting the division and/or their jobs; creates an atmosphere in which upward communication from employees is encouraged

Administers personnel policies and procedures as established by Bank policy

Communicates and interfaces with other divisions and management personnel as part of the management team in order to integrate objectives and activities

Provides periodic reports to the Chief Executive Officer, Board of Directors, and other groups, committees, or individuals as required throughout the organization

Actively participates in business and community activities in a manner which reflects favorably on the Bank

Qualification

Lending regulations knowledgeSupervisory skillsBank operating policies knowledgeAnalytical skillsPC skillsInterpersonal skillsReading skillsGrammar skillsMathematics skillsVisual skillsAuditory skillsWriting skills