Job Overview
Responsible for oversight of Commercial Lending operational activities including origination, servicing, monitoring and reporting functions; compliance with applicable regulatory requirements; leverage the loan origination system; collaborate with business partners to provide productive workflows and procedures supporting departmental functions; and supervision of Commercial Lending Operations staff to ensure completion of necessary tasks. Coordinate pre-and post-audit support for loan/audit reviews and regulatory exams.
Principal Accountabilities
Accountable for oversight of the Commercial Lending Operations department including compliance, risk management, and reporting activities. Oversight for optimization and maintenance of loan origination system including vendor relations and product updates. Support the Credit and Commercial Lending Departments to ensure loan applications move through the pipeline efficiently and accurately for approval, and/or coordinate denial and or withdrawn notifications to customers. Prepare and distribute monitoring reports on a timely and accurate basis.
Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Responsible for adherence to regulatory compliance standards including Bank Secrecy Act (BSA) and Reg B, company policies and procedures, as well as the quality and timeliness of departmental activities. 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
Provide oversight for the preparation and distribution of loan committee agenda packages in a timely and accurate manner, finalization and archiving of loan approvals and loan committee minutes, maintenance of customer credit files and related documentation.
Provide oversight for processing of approved, withdrawn and denied loan applications and ensure necessary customer notifications for compliance with Regulation B and other applicable regulations.
Provide oversight for the establishment and ongoing maintenance of financial statement, annual review, covenant, and any other necessary ticklers to ensure accurate and timely reporting of servicing requirements and exceptions.
Coordinate the testing of covenants, borrowing base formulas, and loans secured by marketable securities to ensure compliance with asset based lending formulas and business loan agreements.
Maintain list of departmental reports, coordinate collection of data, preparation and distribution of reports are accurate and on a timely basis.
Leverage loan origination software to optimize workflow efficiency, accuracy and compliance with loan policy and underwriting processes.
Collaborate with business partners to assess and enhance workflows and procedures; maintain procedures manual for the department.
Coordinate pre-and post-loan review and audit activities including loan review responses and exception resolution and reporting.
Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks.
Other duties as assigned
Personnel Management
Lead recruitment efforts and partner with Human Resources to recruit, hire, retain and develop a talented and diverse workforce.
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 level 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 & Skills
High school diploma or equivalent with a minimum of 5 years' commercial credit experience. College degree in business, finance or related field of study preferred.
Thorough knowledge of credit operations activities including loan approval process, credit file management, tickler systems, applicable regulations and industry standards as they relate to commercial lending
Prior experience with commercial loan origination systems
Experience training and coaching employees; 1-3 years supervision experience preferred.
Must have proficient computer skills, specifically Microsoft Word and Excel, advanced skills preferred.
Exceptional organization, time management and follow-up skills. Excellent interpersonal skills and ability to communicate effectively with customers, bank employees and outside service providers.
Ability to follow detailed instructions and a wide range of procedures requiring sound judgment.
Ability to perform complex mathematical computations using various business machines and/or computers.
Able to handle multiple administrative tasks under time pressure
Team player working effectively with others in the department
Core Competencies
Building Effective Teams
Customer Focus
Functional/Technical Skills
Planning
Problem Solving
Process Management
Physical Requirements
Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions... For full info follow application link.
Equal Employment Opportunity has been, and will continue to be, a fundamental principle at Horizon, where employment is based upon personal capabilities and qualifications without discrimination because of race, color, religion, gender, age, national origin, ancestry, disability status, protected veteran status, genetic history, pregnancy, or any other protected characteristic as established by law.
