Retail Small Business Lending Manager

Independent Bank Group, Inc Englewood , CO 80110

Posted 3 months ago


The Retail Lending Manager provides leadership and overall management for bank's small business (Gross Annual Revenues $1 MM) lending market. Key responsibilities include small business loan production and financial performance; sales leadership (business development); CRA and community outreach; and personnel management.

Job Description


Risk Management. alignment with Enterprise Risk Management, acts as the first line of defense administering policies and procedures:

  • Manages credit risk through origination and documentation.

  • Develops personal and business unit credibility with credit approvers, compliance and executive management.

  • Prudently exercises judgment when making business decisions.

  • Ensures all activities and work functions comply with company policies and procedures and state/federal laws and regulations.

Financial Performance. Delivers individual and business unit production and financial performance that meets or exceeds budget:

  • Demonstrates meaningful growth in quality earning assets and driving CRA qualified loans.

  • Proactively manages non-interest expense to avoid waste or inefficiency.

  • Drives expense savings and improved productivity.

  • Delivers net income contribution without inappropriately increasing enterprise risk.

  • Builds a sustainable business and growing market share.

  • Manages and Clears loan exceptions for Retail/Small Business Banking.

  • Manages pipeline Reports.

  • Manages Past due loan reporting.

Relationship/Prospect Management. Ensures individual and business unit appropriately manages prospective customer relationships, balancing risk-return:

  • Consistently adds new small business loan customers to build and diversify the revenue stream, with a focus around identified branches.

  • Coordinates customer experience throughout the organization primarily by introducing Retail Banking partner at the appropriate time.

Sales Leadership. Drives sales results for the business unit (individually and through assigned staff) through:

  • Maintain deep pipeline of targeted prospects, active customers, and new business opportunities.

  • Administers sales effectiveness training and development.

  • Provides loan training to all Retail Banking employees.

  • Manages loan pipeline for Retail Banking within the region.

  • Develops strategic relationships with centers of influence and community organizations.

  • Refers to other product partners and/or business units to increase product penetration and relationship profitability.

Community Outreach/CRA. Works closely with the bank's CRA officer to identify areas of focus to ensure bank's CRA objectives are met.

  • Fosters established relationships with non-profit CRA organizations.

  • Identifies opportunities to engage with small business organizations in the bank's assessment areas.

  • Represents bank through active involvement on boards and attend key small business functions.

Personnel Management. Manages overall personnel effectiveness, including recruitment, development, retention and results:

  • Provides overall leadership in directing and training the Retail Lending Staff.

  • Participates in recruiting activities to ensure quality candidate pool ensuring depth and breadth of talent.

  • Ensure appropriate Talent Management activities and development plans are in place for staff.

  • Provides a fun, rewarding environment conducive to employee engagement.

  • Effectively manage performance through feedback, coaching, and utilization of the performance management process

  • Ensures active participation in required or company-sponsored training.


Education Requirements:

  • BA in Finance, Accounting, Business Administration or other related field or equivalent experience.

  • Preferred MBA or other post-graduate studies.

Minimum Experience:

  • 7 years small business banking production experience. Prior CRA focus and/or responsibilities preferred.
  • 3 years' experience meeting with community organizations that support small business lending.

Licenses and Certifications:

  • C&I credit underwriting training (or commensurate experience preferred.

Knowledge/ Skills/ Abilities:

  • Demonstrated leadership skills and professionalism.

  • Skilled in monitoring/assessing the performance of self, other individuals, or organizations to make improvements or take corrective action.

  • Ability to effectively plan, manage, and delegate the work of others.

  • In-depth knowledge of the banking industry.

  • Excellent verbal and written communication skills with internal/external constituents.

  • Demonstrated analytical, decision making and problem solving skills.

  • Ability to build personal credibility with credit approval authorities.

  • Demonstrated ability to negotiate on behalf of the Bank and the borrower while appropriately balancing risk and shareholder value.

  • Ability to work in a team environment and demonstrate flexibility as business dictates.

  • Ability and willingness to investigate, resolve, and recommend process improvement opportunities.

icon no score

See how you match
to the job

Find your dream job anywhere
with the LiveCareer app.
Mobile App Icon
Download the
LiveCareer app and find
your dream job anywhere
App Store Icon Google Play Icon

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Asset Based Lending Sales Rep

Wells Fargo

Posted 5 days ago

VIEW JOBS 1/15/2020 12:00:00 AM 2020-04-14T00:00 Job Description Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume when submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as "Personal Cell" or "Cellular" in the contact information of your application. At Wells Fargo, we want to satisfy our customers' financial needs and help them succeed financially. We're looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you'll feel valued and inspired to contribute your unique skills and experience. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. Wholesale Banking provides financial solutions to businesses across the United States and globally. Our four major business lines include Corporate & Investment Banking, Commercial Banking, Commercial Real Estate, and Wells Fargo Commercial Capital. We also have groups in credit risk, group risk, finance, marketing, human relations, and the Wholesale Chief Operating Office that support our businesses. Wells Fargo Commercial Capital (WFCC) combines Wholesale's secured lending businesses including Asset Backed Finance (ABF), Commercial Distribution Finance (CDF), Corporate Trust Services (CTS), Wells Fargo Capital Finance (WFCF) and Wells Fargo Equipment Finance (WFEF). This consolidated group of businesses helps customers leverage their company's assets into flexible financing solutions. WFCC is a leading contributor to Wholesales revenue, assets, and net income. Wells Fargo Capital Finance (WFCF) is one of the top lead arrangers of asset-based loans in the U.S. with a large and diversified portfolio of close to 2,400 customers and more than $33 billion in loans outstanding. WFCF offers traditional asset-based financing, specialized senior secured financing, accounts receivable financing, purchase order financing, and supply chain financing to a wide range of companies throughout the United States, Canada and the United Kingdom. The Business Development Officer (BDO) will support our Middle Market ABL and Commercial Services product groups and will be responsible for originating and transacting secured lending opportunities in the middle market in Minnestota North Dakota, South Dakota, Colorado, Wyoming and Montana. In this role, the BDO will lead WFCF's coverage of our Commercial Banking and Wholesale Partners, including managing transaction flow and leading long-cycle coverage efforts in our served markets. The BDO will also be tasked with sourcing lending opportunities from various referral sources, including private equity groups, investment banks, and other third-party intermediaries. Responsibilities include conducting effective analysis of complex transactions, negotiating terms and conditions during the screening/proposal stage, and assisting the underwriting team through a successful closing. Team members support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. Required Qualifications * 5+ years of experience in one or a combination of the following: leveraged finance, commercial finance, or investment banking Desired Qualifications * Lending opportunities analysis experience related to acquisitions, consolidations, debtor-in-possession financings, leveraged buy-outs, refinancing, and corporate growth Other Desired Qualifications * Knowledge of Deal Structuring and strong Underwriting capabilities * Ability to develop relationships with existing and prospective Clients * Regional Engagement and Relationships with Referral Sources or Commercial Bank Job Expectations * Ability to travel up to 40% of the time Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Wells Fargo Englewood CO

Retail Small Business Lending Manager

Independent Bank Group, Inc