Chief Lending Officer

4 weeks ago


California, United States JCW Full time

Position: Chief Lending Officer (CLO)

Location: Southern California

Responsibilities:

  1. Strategic Leadership : Develop and execute comprehensive lending strategies aligned with the bank's overall objectives, ensuring sustainable growth and profitability.
  2. Portfolio Management : Oversee all aspects of lending operations, including commercial, consumer, mortgage, and small business lending, to maintain a balanced and diversified loan portfolio.
  3. Risk Management : Implement robust risk management practices to mitigate credit, operational, and compliance risks, ensuring adherence to regulatory requirements and internal policies.
  4. Business Development : Lead business development initiatives to expand the bank's lending footprint, cultivate new client relationships, and capitalize on growth opportunities in the local market.
  5. Credit Underwriting : Provide strategic guidance and oversight to the credit underwriting process, ensuring sound lending decisions, prudent risk assessment, and adherence to credit policies.
  6. Team Leadership : Foster a culture of excellence, teamwork, and professional development within the lending team, providing mentorship, coaching, and training to maximize performance and employee engagement.
  7. Relationship Management : Cultivate strong relationships with key stakeholders, including borrowers, regulators, community organizations, and industry partners, to enhance the bank's reputation and market presence.
  8. Performance Analysis : Monitor and analyze lending performance metrics, financial trends, and market dynamics to identify areas for improvement, optimize profitability, and drive informed decision-making.

Qualifications:

  1. Bachelor's degree in Finance, Business Administration, or a related field; Master's degree preferred.
  2. Proven experience (8+ years) in senior leadership roles within commercial banking, with a focus on lending operations and credit risk management.
  3. Deep understanding of lending products, underwriting principles, and regulatory requirements, particularly within the community banking sector.
  4. Strong leadership capabilities with a track record of building high-performing teams and driving strategic initiatives to achieve business objectives.
  5. Exceptional communication, negotiation, and relationship-building skills, with the ability to interact effectively with internal and external stakeholders.
  6. Analytical mindset with the ability to interpret complex financial data, assess risk exposures, and make data-driven decisions to optimize lending performance.
  7. Demonstrated commitment to ethical conduct, integrity, and compliance with industry regulations and best practices.
  8. Knowledge of the Southern California market and familiarity with the unique needs and challenges of the local community banking landscape is desirable.

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