SVP, Regional Manager, Commercial Lending in Voorhees Township, New Jersey at Columbia Bank

Reports To

Location

SVP, Commercial Real Estate

Headquarters

Department

Division

Commercial Lending

Manages the Commercial Real Estate (CRE) lending activities for the Bank and supervises the CRE team. Responsible for originating, and manages the team that processes and closes loans in accordance with the agency guidelines. Develops business for the CRE Lending Department. Oversees servicing of loans and relationship maintenance with borrowers. Cross sells Bank products and services where appropriate. Adheres to all federal regulations throughout all phases (origination, processing, closing and servicing) of loan processing to protect the government guarantee. Assists and trains other Bank personnel with CRE lending and presents seminars.

Job Duties

% of Time

Business Development and Client Management

• Develops business for the Bank’s CRE Lending Department.
• Solicits business through various sources and accompanies Branch Managers and Loan Officers on business calls relating to CRE lending.
• Originates CRE loans in accordance with Federal and Bank guidelines.
• Interviews applicants to determine eligibility.
• Prepares and assists applicants with necessary paperwork in accordance with federal relations (business balance sheets or estimations, income statements or projections of earnings, personal financial statements, etc.) and underwrites loans.
• Submits loans for approval and closes approved loans.
• Sells closed loans on the secondary market.
• Supervises the portfolio management and credit analysis and administrative functions of the CRE Team.
• Exercises the usual authority of a manager including supervising, training, scheduling, performance evaluations, salary recommendations and disciplinary actions.
• Exercises prudent judgement in making sound credit decisions or approval recommendations to higher authorities.
• Acts as a voting member of the Bank’s Loan Committees as well as the Asset Classification Committee.
• Evaluates and in certain cases determines risk rating classifications for all types of CRE loans.

40%

Loan Maintenance

• Maintains and monitors CRE loans for the Bank to protect the government guarantee.
• Maintains contact with customers to ensure adherence to loan terms and conditions.
• Follows through with past dues and works with customers to resolve any problems.
• Periodically visits customers.
• Reports CRE lending progress to senior management through meetings and reports.

35%

Leadership and Team Management

• Assists and trains all levels of personnel in the area of CRE Lending.
• Supervises staff and delegates assignments.
• Presents seminars to employees, various civic, social, professional and educational groups on CRE Lending.
• Cross sells the Bank’s products and services when appropriate.
• Ensures all work is completed accurately and within established time frames and tracks turn-around times for underwriting CRE loans.

15%

Job and Industry Knowledge

• Maintains a current knowledge of all regulations governing CRE lending as well as any political climates or trends that may affect the CRE Lending Administration.

5%

Other Responsibilities

• Performs other duties as assigned.

5%