JOB SPECIFICATIONS:

Knowledge, Skills & Abilities

• Thorough knowledge and understanding of commercial lending, including qualifying applicants, packaging proposals, underwriting credit and cash flow and loan closing.

• Extensive selling and negotiating skills in conjunction with demonstrated success in developing and maintaining lending relationships.

• Comprehensive knowledge and understanding of applicable banking regulations and laws governing commercial lending, including credit approvals, policy and risk management.

• Demonstrated strength and ability in credit analysis, including identification of exposure and risk.

• Proven success in building and managing a team of lending professionals.

• Demonstrated strategic and tactical planning skills.

• Strong oral and written communications skills with demonstrated ability to prepare and present credit package

• Strong organizational skills with ability to set priorities in a multi-task environment and meet deadlines.

Experience & Education

• Bachelor's degree with a concentration in Finance, Business Management, or Marketing required, or equivalent experience.

• 10+ years of experience in commercial and small business lending, with demonstrated experience in credit analysis and assessment.

• 5 years demonstrated leadership/management success in a commercial lending environment.

Internal and External Contacts

• Extensive external customer, prospect and referral source contacts.

• Provides support to administrative staff and other support areas of the Bank.

Working Conditions/Physical Requirements

Office environment. Ability to operate computer. Ability to communicate in order to exchange simple to complex information with individuals and groups. Ability to travel throughout Bank footprint.