SVP, Regional Manager, Commercial Lending

Columbia Bank Northeast • Full-time • Voorhees Township, New Jersey, United States • $200k - $240k / year • 1d ago

SVP, Regional Manager, Commercial Lending (or Regional Vice President, Commercial Real Estate)

Job Code
TBD.CRE.2025.03.26

Job Grade
21[BJ1]

Job Information

Reports To	Location
SVP, Commercial Real Estate	Headquarters

Department	Division
	Commercial Lending

Summary

Manages the Commercial Real Estate (CRE) lending activities for the Bank and supervises the CRE team. Responsible for originating, and manages the team that processes and closes loans in accordance with the agency guidelines. Develops business for the CRE Lending Department. Oversees servicing of loans and relationship maintenance with borrowers. Cross sells Bank products and services where appropriate. Adheres to all federal regulations throughout all phases (origination, processing, closing and servicing) of loan processing to protect the government guarantee. Assists and trains other Bank personnel with CRE lending and presents seminars.

Job Duties

Job Duties	% of Time
Business Development and Client Management Develops business for the Bank’s CRE Lending Department. Solicits business through various sources and accompanies Branch Managers and Loan Officers on business calls relating to CRE lending. Originates CRE loans in accordance with Federal and Bank guidelines. Interviews applicants to determine eligibility. Prepares and assists applicants with necessary paperwork in accordance with federal relations (business balance sheets or estimations, income statements or projections of earnings, personal financial statements, etc.) and underwrites loans. Submits loans for approval and closes approved loans. Sells closed loans on the secondary market. Supervises the portfolio management and credit analysis and administrative functions of the CRE Team. Exercises the usual authority of a manager including supervising, training, scheduling, performance evaluations, salary recommendations and disciplinary actions. Exercises prudent judgement in making sound credit decisions or approval recommendations to higher authorities. Acts as a voting member of the Bank’s Loan Committees as well as the Asset Classification Committee. Evaluates and in certain cases determines risk rating classifications for all types of CRE loans.	40%
Loan Maintenance Maintains and monitors CRE loans for the Bank to protect the government guarantee. Maintains contact with customers to ensure adherence to loan terms and conditions. Follows through with past dues and works with customers to resolve any problems. Periodically visits customers. Reports CRE lending progress to senior management through meetings and reports.	35%
Leadership and Team Management Assists and trains all levels of personnel in the area of CRE Lending. Supervises staff and delegates assignments. Presents seminars to employees, various civic, social, professional and educational groups on CRE Lending. Cross sells the Bank’s products and services when appropriate. Ensures all work is completed accurately and within established time frames and tracks turn-around times for underwriting CRE loans.	15%
Job and Industry Knowledge Maintains a current knowledge of all regulations governing CRE lending as well as any political climates or trends that may affect the CRE Lending Administration.	5%
Other Responsibilities Performs other duties as assigned.	5%

Requirements

Bachelor Degree in Finance, Accounting, Economics or Business related field. Master’s degree in finance, business or economics preferred;
Minimum of 10 years’ commercial lending experience with a proven successful sales record;
Minimum of 7 years’ experience managing a business banking market for a progressive financial services company in the Commercial Real Estate segment;
Experience in executing programs which have successfully improved the cross selling of all products and services throughout a major financial services company;
Experience in attracting, managing, developing and retaining a highly competent and committed group of Commercial Lenders;
Reputation for developing, building and maintaining a high-level customer service organization and the ability to guide commercial lenders with high-net-worth clients and centers of influence;
Thorough understanding of the trends, competition, communities and businesses in the market;
Thorough understanding of market risks, macro/micro economic issues as they apply to banking, and lending policies and procedures;
Demonstrated ability to manage and prioritize multiple tasks. Frequent travel throughout the region;
Results-oriented and works well in a team environment;
Successfully completed a bank-sponsored (or equivalent) credit training program;
History of community involvement through volunteerism and/or representation with charitable organizations.

[BJ1]This is the same grade as SVP, Director Small Business Lending