Horizon Bank
  • - Grand Rapids Sales
  • Grand Rapids, MI, USA
  • Full Time

JOB OVERVIEW
The Group Commercial Lending Manager plays a vital role in leading the lending team, collaborating and generating solutions for current and perspective business clients, and ensure the Commercial Lenders are meeting financial goals and client needs. The incumbent actively solicits for new business by marketing all of Horizon's commercial banking products within a specified geographic area. Additional responsibilities include managing a book of business that requires on-going client interaction and financial analysis to maximize market penetration and account performance, in compliance with state and federal regulations, company policies and established Standard Operating Procedures (SOPs).


PRINCIPAL ACCOUNTABILITIES
Responsible for business development, structuring and underwriting loan requests for new and existing clients, growing loan and deposit portfolio and generating fee income. Ensure client relationships are profitable and partner with other areas of the Bank to meet all of the financial needs of the clients. Manage a team of Commercial Lenders in achievement of financial goals. Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Accountable for adherence to compliance standards including Bank Secrecy Act (BSA). Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities we serve through active involvement in local organizations and events.


DUTIES
• Protect Bank's assets and maintain quality of portfolio by adhering to lending processes, policies and procedures, legal and ethical requirements and regulations, audit requirements, and established risk management guidelines. Ensure all Commercial Banking business is in conformity with Bank Policies & other guidelines.
• Adhere to Know Your Customers Rules & Bank Policies & Procedures for the prevention of loss due to fraud, counterfeiting, money laundering, or defalcation; Identify and report suspicious and other reportable transactions or patterns of activity that are suspected to be related to money laundering.
• Identify and cross-sell value added commercial banking services by following a proactive sales and business development plan.
• Generate new loans, deposits and fee income from new and existing clients by maintaining an ongoing business development program.
• Minimize loss risk by monitoring loan portfolio & loan repayment activities and take necessary action to collect from past-due accounts.
• Provide underwriting expertise in all categories of transactions; apply analytics and guidance in required structuring and terms in order to balance the risk and rewards of the transaction in an attempt to win the business.
• Provide expertise and guidance in negotiating and documenting loan transactions with clients.
• Participate in Administration of loans – Reconcile draw packages (sworn statements & AIA's), order & review inspections, order date down endorsements & title updates, and interact with clients as necessary.
• Monitor economic trends in accordance with client financial analysis to assist in portfolio reviews.
• Maintain customer confidence and protect bank operations by keeping information private and confidential.
• Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks. Keep up to date on market trends by participation in professional organizations and community projects and events.
• Other duties as assigned.
Personnel Management
• Lead recruitment efforts and partner with Human Resources to make hiring decisions.
• Coordinate training for new hires and in conjunction with performance and developmental needs.
• Monitor behavior and results to effectively coach and motivate team members to achieve service and sales goals.
• Prepare and conduct scheduled performance evaluations. Address and document performance issues.
• Schedule employees, manage time off requests and approve weekly timecards.
• Responsible for building and developing a successful team. Involve staff in planning, decision-making and process improvement.
• Responsible for encouraging continuous enhancement of subordinates' knowledge and competencies to foster their successful career advancement.


QUALIFICATIONS AND SKILLS
• Bachelor's degree in finance, economics, or accounting and 5-years related experience in financial services industry or equivalent education and experience desired
• 3 years' experience managing, developing and coaching commercial lenders
• In-depth understanding of structuring commercial loan requests
• Proven track record in Business Development
• Strong interpersonal skills used within a team environment and in client interaction with emphasis on relationship building.
• Credit/analytical skills to assess financial statements, cash flow and risk
• Excellent written and oral communication skills including the ability to write clear and concise credit correspondence.
• Self–motivated and persuasive, with the ability to motivate others and accept coaching.
• Must have proficient typing and computer skills, specifically Microsoft Office products.
Horizon Bank is a proud EOE|Veteran|Disabled Employer




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Horizon Bank

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