VP / Team Leader / Commercial Loans (C&I)

GENERAL FUNCTION:

Originates and services a variety of secured and unsecured business loans and lines of credit. Insures applicable bank lending policies and practices are followed. Oversees account administration, credit extension, and business development functions. Operates under defined credit authority as determined by the Republic Bank Credit Policy. Focus is commercial and industrial.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Originates, underwrites, and close commercial loans.
• Lead a team of lenders to focus on the moderate to smaller end of the Commercial and Industrial Market.
• Train and develop team; identify and grow C&I business relationships.
• Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
• Develops new commercial banking relationships.
• Manage an existing portfolio of commercial customers.
• Identify Cash Management opportunities with new and existing commercial customers.
• Cross-sell bank products to commercial client ownership and management.
• Review commercial banking relationships for changes in credit risk levels.
• Daily review, approval and disposition of commercial overdrafts.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income, and selling of all bank products and services.
• Support the bank's strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge.

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

• Excellent communication skills, both written and oral
• Knowledge of cash flow, tax return analysis and commercial loan documentation
• Team player
• Strong business development skills

EDUCATION:

• Minimum Bachelor's degree in Finance or business
• Minimum 5 years lending experience
• Formal credit training

SUPERVISORY RESPONSIBILITIES:

• Commercial Lending Team (C&I)

WORKING CONDITIONS:

• Normal office environment with little exposure to dust, noise, temperature and the like.
• Requires manual dexterity sufficient enough to operate offices machines such as computers, fax machines, calculators, telephones, and other office equipment.
• Extended viewing of CRT screen.
• Moderate lifting up to 50 pounds.
• Repetitive hand and arm movement.v
• May require excessive sitting, standing, bending and reaching.
• Normal range of hearing and vision.
• Must be able to drive/have transportation.