Chief Lending Officer (Finance)

Job Title:

Chief Lending Officer

Date:

January 2025

Officer Title:

FLSA Status:

Executive Exemption

Location:

Cameron

Division:

Operations

Reports to:

Chief Executive Officer (CEO)

Supervises:

All Lending Staff, Loan Operations

Summary

Manages the activities of Lending and Loan Operations, ensuring maximum overall profitability of the Bank's lending activities. Leads and directs the bank's lending operations, policies, and loan portfolio management.

Essential Functions

• Responsible for the management, supervision, and direction all lending activities
• Must maintain registration with the National Mortgage Licensing System (NMLS)
• Promotes growth and profitability of the Bank Loan Portfolio
• Provides guidance to officers engaged in lending activities with special attention to the execution of the guidelines and requirements of the Loan Policy
• Promotes Business Development
• Responsible for training, reviewing and evaluating performance, salary administration, and workflow of loan personnel
• Participates in the activities of the following committees:  Officers' Loan Committee, Asset/Liability Management Committee, Officers' Executive Committee, Marketing Committee, CRA Committee, Compliance Committee, and the Technology Committee
• Promotes deposit growth and develop growth goals for all bank locations.
• Ensures proper lending management is in place in all locations emphasizing customer service, profitability, accuracy, and efficiency

• Formulates, reviews, and approves lending policies and procedures. Works with lending committee to assess overall soundness of the loan portfolio and advises on policy questions, business development, staff requirements, performance appraisals, and salary administration as they relate to the lending functions
• Serves a member of executive management and in the development of long-term planning
• Reports to the President and CEO
• Other duties as assigned

Knowledge, Skills, and Abilities

• Knowledge of lending policies and procedures, including state and federal regulations
• Proficiency with Microsoft Excel and Outlook

Knowledge, Skills, and Abilities Continued

• Knowledge of loan participation and purchase agreements
• Knowledge of secondary marketing investment programs
• Ability to communicate effectively and tactfully with customers, other departments, and branches
• Ability to operate a variety of office equipment including but not limited to computers, calculators, and printers
• Ability to operate efficiently in a fast-paced environment, while meeting consistent deadlines
• Ability to make quick decisions
• Positive, outgoing personality
• Must be able to utilize good judgment, demonstrate patience, and maintain a professional demeanor

Education and Experience

• Bachelor's degree (BA) or equivalent: 10+ years related experience and/or training; or the equivalent combination of education and experience. Work-related experience should consist of a financial analyzing and lending background.
• Experience working in senior leadership is desirable.

Working Conditions

• Required to use hands to finger, handle or feel; reach with hands and arms
• Requires corrected hearing in normal range of effective communication via telephone and alarms
• Must be able to speak
• May be required to either sit or stand for long periods of time
• May occasionally lift up to 25 pounds
• Specific vision abilities include close vision, distance vision, and the ability to adjust focus.  Considerable effort and eyestrain from continued checking on the accuracy of all work.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this job.