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The Lending Manager supervises the lending team of the community or market under the direction of the Community or Market President along with cross selling the bank's other business lines. Provides senior management to the commercial lending function managing small and large commercial relationships that meet established lending requirements in order to provide maximum profits to the bank with a minimum of risk. Key measurements of success are individual and team net new loan and deposit growth, fee income, referrals to other lines of business and portfolio management including asset quality. Officers in this position are expected to manage a minimum portfolio of $35 million.
Essential Duties and Responsibilities
Supervises entire lending team of community or market under the direction of the Community or Market President.
Works with Community or Market President to execute the specific business development plan designed for the community or market focused on growing both small and large commercial relationships through relational selling in a trusted advisor role to assist them in recognizing opportunities and risks while helping them accomplish their goals through their use of Bank's products and services.
Actively manages the communities or market's commercial portfolio to include but not limited to past due calls, problem loan management, and exception threshold monitoring & resolution.
Expert in all bank lending product lines specifically commercial, SBA and consumer.
Reviews and approves commercial credit packages exceeding individual officer lending authorities and works with the community or market president along with executive management and credit function for final approval on larger transactions.
Ensures that commercial credit packages prepared by lending officers meet Simmons Bank standards for accuracy, content, and quality of presentation, and provide all information needed for prudent credit decision. Ensures that lending officers comply with Simmons Bank credit policy and prudent lending practices.
Prepares and conducts annual evaluations of lending associates, and impose disciplinary action when warranted.
Will present recommendations to loan committee and exhibits a deep understanding of the large complex commercial credits presented.
Ensure that subordinate officers are reviewing and analyzing complex financial information to determine a borrower's creditworthiness.
Become active in the market through membership in business organizations, community events and/or non-profit organizations where one can be in a position to advance the reputation of the Bank.
Ability to set and meet challenging individual and market goals without direct supervision in a positive team oriented environment to ensure Bank wide goals are met.
Assists the Regional Chairman in the development and implementation of the bank policies and procedures and special projects.
Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.
Performs other duties and responsibilities as assigned.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
Knowledge of business and management principles involved in strategic planning, resource allocation, human resource modeling, leadership techniques, production methods, and coordination of people and resources.
Knowledge of the principles and processes for providing customer and personal services, and evaluation of customer satisfaction.
Ability to read, analyze and interpret documents such as financial reports, legal documents, procedures manuals, general business correspondence and/or journals or government regulations.
Ability to effectively present information in one-on-one and small group situations, to customers, clients, management, board of directors, other employees in the organization, and the general public.
Ability to use logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems and issues.
Ability to respond in writing to customer complaints, regulatory agencies or members of the business community.
Education and/or Experience
BS/BA Degree in Business, Finance, or a related field is required, and
Four to six years of experience in commercial lending with good understanding o underwriting and lending documents, procedures, and policies; at least one year of supervisory or lead experience is preferred.
Strong developed sales skills are required.
Experience in the local market required for better understanding of the lending environment and potential customer base is preferred.
Certificates, Licenses, Registrations
Other Qualifications (including physical requirements)
Knowledge of the functions and operations of underwriting credit.
Strong abilities in leadership and decision making.
Equal Employment Opportunity Information: Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications. Simmons First National Corporation and its subsidiaries are committed to Affirmative Action Programs consisting of results-oriented procedures to ensure equal employment opportunities. These programs require positive action in lieu of neutral non-discrimination and merit hiring/performance policies.