Vice President of Commerical Lending, Champaign

Illinois Employer • Geneva, IL • 5h ago

This job was posted by https://illinoisjoblink.illinois.gov : For more information, please see: https://illinoisjoblink.illinois.gov/jobs/12798291

Job Title: Vice President of Commercial Lending

Work Location: Champaign

Department: Loans

Reports to: Community President, Bloomington

? Full-Time ? Hourly, Non-Exempt

? Part-Time ? Salaried, Exempt

? Salaried, Non-Exempt

Job Summary:

The Vice President of Commercial Lending will focus on achieving sustainable growth while maintaining sound credit quality. The VP will be responsible for providing oversight of commercial and small business lending initiatives to optimize and enhance First State Banks competitive position. This individual will sustain a close working relationship with the Community President of the Bloomington branch to develop and increase commercial and retail deposit accounts in the Champaign market.

This position is not a remote position, nor does it have the option of being a hybrid position.

Work schedule is Monday through Friday.

Essential Duties and Responsibilities include, but not limited to:

Passionate about serving clients and improving the efficiency and

success of their operations.

Foster new business, prospects and generate commercial loans through

referrals, business calls, and community involvement.

Develop and execute commercial lending strategies to increase

lending volume and market share while maintaining strong portfolio performance.

Analyze market trends, customer needs, and competitive landscape to

identify opportunities for product development and business expansion.

Develop strong relationships with key shareholders, including

business owners, industry associations, and government entities.

Ensure the asset quality of the loan portfolio. Review delinquency

reports with direct supervisor to ensure proper collection efforts are being utilized to manage the credit risk of the portfolio. Maintain low loan delinquency and ensure that there are no administrative past due loans. Communicate timely and in a comprehensive manner with your supervisor concerning any credit that is experiencing stress.

Work with a predetermined lending limit, analyze customer credit

applications; balance sheets and profit and loss statement; and cash flow projections in order to make sound loan decisions and predict future repayment capacity. Coordinate these efforts with personnel in the Loan Department.

Maintain deep awareness of the economic and regulatory environment,

assessing risks and opportunities to guide strategic decision-making.

Interview loan applicants and collect and analyze financial and

related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.

Will have extensive contact with customers and the public. Conduct

relationships in a manner that will enhance the overall marketing effort of the bank.

Will be called upon to participate with community organizations

relations and community projects.

Other duties or special projects as assigned by management.

Qualifications:

Ardent desire to excel in a competitive environment.

Proven ability to underwrite and approve commercial loans, including handling all facets of business credit administration and interpreting complex financial and legal documents.

Self-starter with the ability to make sound decisions based upon bank policies, procedures, knowledge, and experience.

Familiarity with banking loan service applications/software.

Solid knowledge of lending concepts, practices, and procedures is essential.

Strong leadership skills and the ability to evaluate and implement technological solutions.

Exceptional

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