The Delaware National Bank of Delhi has an opening for a Senior Loan Officer in the Delhi branch, with potential to become VP, Chief Lending Officer.
Job Description:
Oversee and expand existing credit portfolios. Manage lending staff. Evaluate and determine the credit risks of commercial clients through detailed analysis. Prepare Allowance for Credit Losses.
Primary 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. Administer collection and foreclosure activity.
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. Prepare or assist in the preparation of commercial loan presentations and annual commercial loan reviews.
Credit Analysis: Review and analyze all pertinent credit and financial information, including, but not limited to, financial statements, tax returns, credit bureaus, appraisals, internal credit information, industry research and peer data using Abrigo Credit Analysis Program.
Board Reporting: Manage and prepare Allowance for Credit Losses and various other reports. 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.
Benefit package includes:
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
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, or any other status protected by law. Applicants who require reasonable accommodation during the application process may contact Human Resources at 855-413-3544.