Senior Loan Officer

Job Summary:

The Delaware National Bank of Delhi is seeking a highly skilled Senior Loan Officer to oversee and expand existing credit portfolios, manage lending staff, and evaluate credit risks of commercial clients. This is a key leadership role that requires strong business acumen, excellent communication skills, and a deep understanding of lending products and regulations.

Key Responsibilities:

• Portfolio Management: Oversee all aspects of lending operations, including commercial, consumer, mortgage, and small business lending, to maintain a balanced and diversified loan portfolio.
• Risk Management: Implement robust risk management practices to mitigate credit, operational, and compliance risks, ensuring adherence to regulatory requirements and internal policies.
• 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.
• Credit Underwriting: Provide strategic guidance and oversight to the credit underwriting process, ensuring sound lending decisions, prudent risk assessment, and adherence to credit policies.
• Credit Analysis: Review and analyze all pertinent credit and financial information, including financial statements, tax returns, credit bureaus, appraisals, internal credit information, industry research, and peer data.
• Board Reporting: Manage and prepare Allowance for Credit Losses and various other reports, and attend monthly board meetings.
• People Management: Supervise a team of 10 lenders and mortgage department personnel.

Requirements:

• Bachelor's degree in finance or a related field, or equivalent experience.
• At least five years of experience in senior leadership roles within commercial banking, with a focus on lending operations and credit risk management.
• Strong understanding of lending products, underwriting principles, lending regulations, and compliance requirements.
• Excellent communication and interpersonal skills, with the ability to build and maintain relationships with clients and colleagues.

Benefits:

• Retirement plan with employer matching contributions.
• Insurance coverage, including medical, dental, vision, life, and disability.
• Generous paid time off and sick time, plus paid holidays.

Equal Opportunity Employer:

The Delaware National Bank of Delhi is an Affirmative Action/Equal Opportunity Employer. We offer equal opportunities to all persons without regard to race, color, religion, age, sex, gender identity, disability, national origin, ancestry, citizenship, military or veteran status, sexual orientation, domestic violence victim status, predisposing genetic characteristics, or genetic information.

Salary:

$105,000 per year