Description
Position Summary
The Commercial Lending Manager is responsible for the overall leadership, direction, and performance of the Commercial Lending Division. This position oversees all commercial lending personnel and ensures the division meets established goals related to loan production, credit quality, regulatory compliance, and customer service. The role works closely with the SVP, Senior Lender to implement lending strategies that support the bank’s growth and risk-management objectives.
Essential Duties and Responsibilities
- Provide direct supervision, coaching, and performance management for Commercial Lenders and Commercial Loan Assistants. Establish clear expectations, monitor performance, and conduct regular evaluations.
- Review and approve requests within assigned authority. Ensure all credit actions comply with internal policies, regulatory requirements, and sound underwriting practices.
- Monitor the commercial loan portfolio for credit quality, risk trends, and policy exceptions. Identify and address emerging risks and ensure timely resolution of problem credits.
- Support lenders in developing new business opportunities, maintaining client relationships, and achieving production goals.
- Ensure effective coordination between lenders, loan assistants, credit administration, and loan operations. Implement process improvements to enhance accuracy, timeliness, and customer service.
- Assist the SVP, Senior Lender in developing and executing strategic plans for the commercial lending function, including market focus, production targets, and staffing needs.
- Ensure division activities comply with all applicable laws, regulations, and internal policies. Support internal and external audit processes and implement corrective actions as needed.
- Prepare and deliver reports on production, pipeline, portfolio performance, staffing, and operational metrics as required.
Requirements
Qualifications
- Bachelor’s degree in Business, Finance, Accounting, or related field required; advanced degree or banking school preferred.
- Minimum of 7–10 years of commercial lending experience, including supervisory or management responsibilities.
- Demonstrated expertise in commercial credit analysis, loan structuring, and portfolio management.
- Strong knowledge of banking regulations and commercial lending compliance requirements.
- Proven ability to lead teams, manage performance, and support employee development.
- Excellent communication, analytical, and relationship-management skills.
Physical and Work Environment Requirements
- Work is performed primarily in an office environment.
- Must be able to sit or stand for extended periods and operate standard office equipment.
- Occasional travel for business development, training, or community events may be required.
Skills Required
- Bachelor's degree in Business, Finance, Accounting, or related field
- Advanced degree or banking school
- Minimum of 7-10 years of commercial lending experience, including supervisory or management responsibilities
- Demonstrated expertise in commercial credit analysis, loan structuring, and portfolio management
- Strong knowledge of banking regulations and commercial lending compliance requirements
- Proven ability to lead teams, manage performance, and support employee development
- Excellent communication, analytical, and relationship-management skills
What We Do
Consumers National Bank is a community bank rooted in Ohio, delivering personalized financial solutions and services to individuals, families, and businesses, aiming to help them grow and prosper.
