Job Details
Job ID#: 4068
Job Category: VP-Level
The Head of Commercial Lending leads the bank's efforts to originate, structure, underwrite, and manage loans for commercial clients—typically middle‑market companies, small businesses, and sometimes larger enterprises—while ensuring the portfolio remains profitable and compliant.
Key Responsibilities
Strategy & Growth
Set the overall commercial lending strategy (target industries, deal size, risk appetite)
Drive loan growth, fee income, and interest margin
Identify new markets, products, and verticals (e.g., CRE, C&I, SBA, asset‑based lending)
Align lending strategy with the bank's broader financial and risk objectives
Team Leadership
Lead commercial lenders, relationship managers, credit officers, and support teams
Hire, coach, and develop high‑performing lending teams
Set production goals and performance metrics
Ensure consistent underwriting and relationship management standards
Client Relationship Management
Serve as an executive sponsor for key commercial clients
Build and maintain relationships with business owners, CFOs, and financial sponsors
Structure complex deals and negotiate terms
Cross‑sell treasury, cash management, payments, and other bank products
Credit & Risk Management
Oversee credit policy, underwriting standards, and approval processes
Review and approve large or complex credit requests
Monitor portfolio performance, concentrations, delinquencies, and charge‑offs
Work closely with risk, compliance, and loan review teams
Portfolio & Performance Oversight
Manage the commercial loan portfolio for profitability, yield, and credit quality
Analyze trends in industries, geographies, and borrower performance
Adjust strategy in response to economic conditions and regulatory guidance
Regulatory & Compliance Oversight
Ensure compliance with banking regulations (OCC, FDIC, state regulators)
Participate in regulatory exams and audits related to lending
Ensure fair lending, documentation, and credit governance standards are met
Executive & Board Engagement
Report regularly to executive leadership and the Board
Present portfolio metrics, risk assessments, and growth plans
Provide insight into economic and market conditions impacting borrowers
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Job Category: VP-Level
The Head of Commercial Lending leads the bank's efforts to originate, structure, underwrite, and manage loans for commercial clients—typically middle‑market companies, small businesses, and sometimes larger enterprises—while ensuring the portfolio remains profitable and compliant.
Key Responsibilities
Strategy & Growth
Set the overall commercial lending strategy (target industries, deal size, risk appetite)
Drive loan growth, fee income, and interest margin
Identify new markets, products, and verticals (e.g., CRE, C&I, SBA, asset‑based lending)
Align lending strategy with the bank's broader financial and risk objectives
Team Leadership
Lead commercial lenders, relationship managers, credit officers, and support teams
Hire, coach, and develop high‑performing lending teams
Set production goals and performance metrics
Ensure consistent underwriting and relationship management standards
Client Relationship Management
Serve as an executive sponsor for key commercial clients
Build and maintain relationships with business owners, CFOs, and financial sponsors
Structure complex deals and negotiate terms
Cross‑sell treasury, cash management, payments, and other bank products
Credit & Risk Management
Oversee credit policy, underwriting standards, and approval processes
Review and approve large or complex credit requests
Monitor portfolio performance, concentrations, delinquencies, and charge‑offs
Work closely with risk, compliance, and loan review teams
Portfolio & Performance Oversight
Manage the commercial loan portfolio for profitability, yield, and credit quality
Analyze trends in industries, geographies, and borrower performance
Adjust strategy in response to economic conditions and regulatory guidance
Regulatory & Compliance Oversight
Ensure compliance with banking regulations (OCC, FDIC, state regulators)
Participate in regulatory exams and audits related to lending
Ensure fair lending, documentation, and credit governance standards are met
Executive & Board Engagement
Report regularly to executive leadership and the Board
Present portfolio metrics, risk assessments, and growth plans
Provide insight into economic and market conditions impacting borrowers
#J-18808-Ljbffr