SVP, Chief Lending Officer

Position DescriptionTitle: SVP, Chief Lending OfficerDepartment: Commercial LendingReports to: President, Chief Executive OfficerSupervises: SVP, Team Leader Commercial Lending, and VP, Commercial Loan ManagerClassification: ExemptDate Prepared: May 8, 2026Summary / ObjectiveThe SVP, Chief Lending Officer (CLO), is responsible for the growth, oversight and administration of the Bank’s commercial lending function, including loan portfolio management and compliance across all commercial lending activities.This role provides strategic leadership to the Commercial Loan Department, including the SVP, Team Leader Commercial Lending, (commercial lenders) and support staff, and is integral to achieving the Bank’s strategic objectives, growth targets, and risk management standards.In partnership with the President, Chief Executive Officer (CEO) and the SVP, Chief Credit Officer (CCO), and subject to Board of Directors approval, the CLO establishes and maintains internal controls, as well as written lending policies and procedures governing the extension of credit.Experience & Education Requirements:Bachelor’s degree in Finance, Accounting, Economics, or related fieldMinimum of fifteen (15) years of progressive commercial lending experience within community banking, including senior management responsibilityBroad exposure to banking operations, finance, investments, and asset/liability managementDemonstrated success in business development, portfolio growth, and relationship managementExtensive knowledge of underwriting standards, lending regulations, and loan systemsStrong familiarity with CRA, SBA, and other credit-enhanced lending programsEssential Job Functions:Serve as chief administrator of the commercial lending portfolioServe as an advisor to CEO, CFO and Board of Directors on commercial lending strategies and portfolio mattersParticipate in the Bank’s long- and short-term strategic planning and ensure alignment of lending strategies with the Bank’s overall business planContribute to the Bank’s budgeting processMaximize loan portfolio growth through sales management strategic planning, and team developmentWork collaboratively with other departments to ensure consistency in policies, efficient workflows, and strong interdepartmental relationshipsWork with the CCO to establish, maintain, and model a strong credit culture for the BankProvide oversight for an effective loan approval process within established lending limits. Approve or deny loans based on the Bank’s credit risk appetite and sound underwriting practicesDirect loan portfolio management and document administration activities. Report loan portfolio performance and credit issues, and make recommendations while ensuring compliance with all applicable laws and regulations in collaboration with the CEO and CCO, and Board of DirectorsEstablish guidelines for accurate and timely servicing of the commercial loan portfolio, including the documentation, funding, closing, and servicing processesReview loan pricing with the CEO and implement rate changes, as appropriateResearch and recommend development of new lending products and enhancements to existing offeringsMonitor industry trends, market conditions and competitor lending products to maintain the Bank’s competitive positionServe on Board-level committees, including but not limited to ALCO and Security CommitteeParticipate in management committees including CECL, Compliance, IT Steering, Deal Screen, Management Loan Committee (voting member) and WATCHed Asset Committee. Attend loan committee meetings and present reports and recommendationsProvide leadership and ongoing support to direct reports, including training, coaching, mentoring, and performance guidanceFoster a culture of accountability, collaboration, and continuous improvementRepresent the Bank through participation in community and industry-related activitiesActively promotes the Bank’s interests and lending programsEstablish and maintain relationships with key external partners, including accountants, attorneys, builders, and brokersRequired knowledge, skills & abilities:Superior knowledge of commercial lending activities and related compliance laws and regulationsExcellent communication and relationship management skillsStrong analytical, organizational, decision-making and leadership capabilitiesDemonstrated business development and portfolio management expertiseStrong technical and financial analysis skills, including reporting and data interpretationAbility to operate effectively in a fast-paced, evolving environment and prioritize competing demandsWorking knowledge of BSA/AML compliance requirementsPhysical Demands and Work Environment:Ability to use standard equipment such as computers, phones, and photocopiersMust be able to work schedules that meet the needs of the Bank, which may include early morning, evening and /or weekend hoursRequires manual dexterity and sitting for longer periods of timeReasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.Other DutiesThis job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. It is expected that from time-to-time other duties, both related and unrelated to the above, may be assigned and therefore required. #J-18808-Ljbffr MutualOne Bank