Commercial Loan Regional Manager

Job Description

Job Description

Summary: Oversees the commercial lending operations within one of the Bank's regions. Supervises commercial lenders and staff. Coordinates the commercial lending activities and business development for the region. Calls on commercial accounts to promote existing relationships and to develop new ones. Reviews commercial loans for adherence to Bank guidelines. Approves loans within lending authority.

Job Responsibilities :

Operational Oversight

• Oversees the commercial lending operations within a region of the Bank.
• Ensures all commercial lending activities in the region adhere to established guidelines and are in direct coordination with the Bank's policies. Resolves any unusual problems that may occur.
• Reviews all commercial loans within the region to ensure conformity and adherence to Bank guidelines.
• Approves loans within lending authority or recommends actions to be taken, approval or declination, to the SVP, Commercial Lending.

Leadership and Team Development

• Supervises commercial lenders and staff. Ensures all work is completed accurately and according to schedule.
• Assists commercial lenders with complex accounts and provides guidance to less experienced lenders. Assists less experienced lenders and credit analysts with development and analysis of financial data for new and renewed loans.
• Exercises the usual authority of a manager including, performance evaluation, training, scheduling, salary recommendations and discipline.
• Demonstrates a commitment and responsibility to Affirmative Action planning and Equal Employment Opportunity.

Business Development

• Coordinates the business development activities of the regional commercial loan area.
• Calls on commercial accounts to promote existing relationships and to develop new ones. Cross sells Bank's products and services.
• Maintains an involvement with regional civic organizations to further promote the Bank.
• Provides business development guidance to commercial lenders within the region.

Portfolio Management

• Works with the largest commercial accounts within the region.
• Interviews applicants to develop information concerning their businesses, needs, abilities, and earnings to determine risk of potential loan.
• Maintains own assigned Commercial Loan Portfolio and corresponding loan, deposit, and fee production goals; including but not limited to: Portfolio Growth (Loans and Deposits); Asset Quality maintenance; Financial Exceptions, etc.

Compliance

• Maintains a current knowledge of all laws and regulations concerning commercial lending and the bank’s policies and guidelines. Implements any changes.

Other Responsibilities

• Performs other job-related duties as assigned.

Job Requirements:

• Bachelor’s degree required. Master's degree or formal credit underwriting training and/or certifications desirable.
• 10 years+ of Commercial Lending Experience, with at least 7 years of experience across all asset classes (e.g. C&I, Middle Market, Construction, and CRE).
• 5-7 years management experience of a Commercial Lending Team
• Knowledge of systems and software (e.g. Salesforce, NCino, Nautilus, etc.); PC skills required (Word, Excel, PowerPoint).
• Excellent customer service skills.
• Excellent verbal and written communications skills, including the skills necessary to deal tactfully and professionally with customers, employees, senior management, auditors, and regulators.
• Good organizational skills, a high level of accuracy and strong attention to detail
• Effective time management and the ability to work independently in a team environment.
• Ability to handle sensitive information with complete confidentiality and professionalism.
• Strong knowledge of commercial lending products, credit policy, loan documentation and administration requirements, and legal and regulatory guidelines.
• Strong knowledge of commercial rate changes, billing processes, reading transaction histories, explaining late fees, and interpreting the technical details of the loan system for Customers and Relationship Team.
• Commitment to civic engagement including personal involvement with not-for-profit organizations inclusive of Officer and/or Board of Trustee positions, and supportive of overall Columbian Bank Foundation charitable activities.
• Applicants in Southern NJ:
  • Extensive COI Network in the Southern New Jersey Market.
  • Active in Southern New Jersey Community, including serving in board seats of community-based organizations, such as hospitals, not for profits, Chamber of Commerce, etc.

Columbia Bank offers the following benefits:

• Medical, Dental, Vision and Rx which are contributory.
• Bonus programs.
• Employee Stock Option Program (ESOP).
• Life Insurance, Long Term Disability and Accidental Death and Dismemberment (LTD&AD&D).
• Paid Time Off (PTO) which includes Personal and Vacation Time.
• Paid Sick Time.
• Bank Holidays.
• Employees may participate in the 401k program.

Schedule:

This role is eligible for a hybrid schedule; 3 days in the office and 2 days work from home based on business need.

Columbia Bank and its affiliates is an Equal Opportunity Employer, including individuals with disabilities and veterans.