VP of Commercial Lending

4 weeks ago

Kensington, Maryland, United States Signal Financial Federal Credit Union Full time
Job Title: VP Commercial Lending

At Signal Financial Federal Credit Union, we are seeking a highly skilled and experienced VP Commercial Lending to lead our Commercial Lending division. As a key member of our leadership team, you will be responsible for driving growth, enhancing member relationships, and ensuring our commercial portfolio aligns with our strategic goals.

Key Responsibilities:
  • Develop and execute strategies to expand our commercial loan and deposit portfolios, identifying and pursuing business opportunities to enhance our market position in the commercial lending space.
  • Lead business development initiatives, fostering relationships with new and existing commercial members, and collaborating with internal and external partners to provide comprehensive financial solutions.
  • Oversee the day-to-day operations of the commercial lending department, ensuring efficient, compliant, and effective processes, and continuously assessing and optimizing workflows to enhance service delivery and member experience.
  • Ensure all commercial lending activities are in compliance with regulatory requirements, our business lending policies, and established concentration limits, and lead the creation and revision of policies related to business services and lending.
  • Direct and mentor the commercial lending team, fostering a culture of high performance, member service excellence, regulatory compliance, accountability, and professional growth, and collaborate with senior management to establish and meet departmental and organizational goals.
  • Maintain the quality of the commercial loan portfolio by monitoring credit risk, structuring deals appropriately, and ensuring timely repayments, and provide recommendations on loan terms, pricing, and risk management strategies.
  • Set and achieve our commercial lending targets, contributing to overall organizational financial goals, and track performance against established metrics and adjust strategies as necessary to meet or exceed objectives.
  • Work closely with other departments to ensure seamless integration of commercial services across our offerings, maximizing member value and driving growth, and ensure the department's engagement and contributions with internal and cross-departmental projects/initiatives.
  • Develop and maintain a commercial lending participation program, including identifying opportunities to buy or sell loan participations with other financial institutions, and manage relationships with participating lenders to ensure the program supports our strategic objectives and risk management practices.
  • Oversee loan administration to ensure efficient and effective management of the commercial lending portfolio, including timely collection of financials, completion of annual reviews, execution of loan default actions in accordance with loan agreements, and all other loan administration functions.
  • Ensure audit findings are remediated within prescribed timelines, including internal loan review audits, NCUA examinations, and financial audits.
Requirements:
  • Five to ten years of similar or related experience, with extensive experience specifically in commercial lending, a fundamental understanding of commercial lending operations and services with a financial institution, and knowledge of laws and regulations governing commercial and consumer lending practices as well as collection practices.
  • Bachelor's degree from an accredited four-year college or university, and/or five to ten years related experience and/or training, or equivalent combination of education and experience. Master's degree preferred.
  • Must have an in-depth understanding of and ability to interpret regulations affecting lending programs, extensive knowledge of consumer, commercial, and real estate lending practices and procedures, and the ability to run spreadsheet and word processing software.
  • Strong written and oral communication skills, to effectively present information to management and staff, and a solid working knowledge of Microsoft Office Suite, including Microsoft Teams, and the ability to create and maintain complex Excel spreadsheets independently.
  • Previous experience and understanding of commercial lending systems, with experience with FISERV DNA strongly preferred, and strong leadership and communication skills with the ability to build, maintain, and inspire effective teams to produce top-tier financial performance.
  • Ability to analyze financial information and come to conclusions, decisions, or recommendations, and ensure that the department is providing friendly, professional, timely, personal service to all members both external and internally.
  • Maintain a cohesive, highly trained, and motivated staff, enough to meet the daily lending demands for members, and ensure the department meets and/or exceeds the corporate business and financial goals.

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