Responsible for originating and managing a commercial loan portfolio including SBA and Small Business Lending as well as conventional commercial lending in order to ensure quality and profitable growth of the SBA Conventional Commercial Loan Portfolio; developing, implementing, and achieving annual goals and objectives as established in the Bank's annual operating plan; ensuring the division's compliance with various operating policies and procedures and various regulatory requirements; supervising assigned personnel; communicating and interfacing with other divisions and management personnel; providing periodic management reports.

Essential Duties:

Originate and manage an SBA/USDA and Conventional Small Business Commercial loan portfolio to ensure quality and profitable growth of the Commercial Loan Portfolio as illustrated by the following:

• Assists in the development and maintenance of a sound credit policy which is consistent with the Bank's philosophy of lending.
• Assist in establishing interest rate guidelines, fees, and other charges that are consistent with overall Bank policies and that are competitive and profitable for the Bank.
• Reviews SBA, USDA and conventional commercial loans originated by the Bank for compliance with lending objectives, policies, and procedures.
• Participates in strategic development of industry verticals and build out of the commercial lending platform. 
• Solicits new commercial business from both present and prospective customers, frequently meeting with clients off-site and at the bank.
• Develops and manages significant small business commercial loan accounts.
• Ensures commercial expertise is provided to bank personnel.
• Ensures cooperative business development effort between the Commercial Lending and Retail Deposit functions of the Bank.
• Monitors commercial lending effort to ensure adherence to Bank loan policies and procedures.
• Assists in the development of in-house training programs for commercial and retail personnel.
• Primary liaison with the bank's SBA/USDA outsourced loan service provider.
• Material participant in the eventual SBA 750 agreement application, construction and build out of an in-house preferred lender platform.
• Oversight of 1502 reporting.