The Harbor Bank of Maryland · 1 month ago
VP/Commercial Lending Officer
Baltimore, MD, US
Full-time
Hybrid
Mid, Senior Level
$100K/yr - $140K/yr
5+ years expThe Harbor Bank of Maryland is seeking a VP/Commercial Lending Officer who will play a pivotal role in driving the bank's mission. This position is responsible for developing and managing commercial loan accounts, ensuring exceptional service and operational excellence, while establishing relationships with customers to identify new loan opportunities.
BankingFinancial ServicesVenture Capital
Responsibilities
Interviews loan applicants, collects and analyze financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request
Underwrites loans, establishes, and negotiates where necessary, terms under which credit will be extended, including the costs, repayment method, and schedule and collateral requirements
Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interview, and other means
Monitors loan repayment activities and take necessary action to collect from past-due accounts
Develop new business by contacting prospects and customers, cross-sells Bank services
Serves as a member of the loan committee, which makes preliminary evaluations of loan requests
Participates in community affairs to increase the Bank’s visibility and to enhance new business opportunities. These include Chamber Events and other events
Undertakes special projects relating to departmental services as assigned by Senior Lender
Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training
Qualification
Required
Bachelor's degree in Business Administration, Finance, Accounting, Economics, or a related field
5-7 years of progressive experience in commercial lending, credit analysis, or portfolio management within a financial institution
Proven track record of structuring, negotiating, and closing commercial loans while adhering to regulatory requirements and internal credit policies
Experience in managing a commercial loan portfolio with a focus on asset quality and risk mitigation
Preferred
7-10 years of commercial lending experience, with a demonstrated ability to grow and manage a high-performing portfolio of commercial clients
Prior experience leading large and/or complex commercial transactions, including CRE (Commercial Real Estate) and C&I (Commercial & Industrial) loan types
Background in developing business development strategies and managing relationships with high-net-worth individuals, business owners, and key community leaders
Company
The Harbor Bank of Maryland
The Harbor Bank of Maryland is a bank providing checking, savings, and time deposit services.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
John Lewis
President & Chief Executive Officer
Zakee Howard
Senior Vice President, Chief Risk Officer
Recent News
2025-04-06
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