VP/Centralized Lending

Posting Date: 07/06/22
Location: TBD (but not Remote)
Department: Credit Admin/Centralized Lending


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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Primary Responsibilities:

Requests specified financial information for loan applications. Accurately spreads and analyzes financial statements of prospective and existing borrowers to determine feasibility of granting loan. Works closely with referring Account Officers and/or directly interviews applicant to obtain corporate history and to resolve questions regarding application information. Effectively underwrites loan applications in a timely manner adhering to credit policies and specific product guidelines. Presents credit to Executive Loan Committee and/or Directors’ Loan Committee for approval, if required. Orders and audits loan documentation for approved loan applications.

Monitors borrowers’ financial condition for compliance with loan covenants. Maintains and services retail loan portfolio by working closely with referring Account Officers in order to be responsive to changing borrowing needs and by renewing and/or amending existing loan commitments in a timely manner. Maintains delinquencies and classified loans at a minimum. Acts as Bank representative at civic and/or industry meetings or functions. Cross-trains with Consumer Loan Officer for back-up coverage on HELOC, bridge loan financing, auto loans, overdraft line of credit, and Elan credit card requests. Cross-trains Consumer Loan Officer to process retail small business and consumer loan products identified above for back-up coverage. Assist Appraisal Review desk with bid process, ordering, report distribution, and payment processing. Assist Credit Administration with tickler/covenance reporting and borrowing base calculations for back-up coverage. All other responsibilities as assigned by manager.

Compliance Responsibilities: 

Responsible for ensuring compliance with all aspects of job related laws and regulations. Responsible for keeping compliance knowledge current by attending compliance related training seminars and/or staff meetings (or reviewing minutes when not in attendance for actual meetings) and by reading pertinent compliance related materials. Job related laws and regulations include, but are not limited to, the following: Bank’s Credit Policies; Truth in Lending (Regulation Z); Equal Credit Opportunity (Regulation B); Fair Housing Act; Flood Disaster Protection Act;


Examines, evaluates and recommends approval of client applications for retail and small business and consumer loan requests, specifically the Professional Loan Product Suite; Reward Line of Credit (Business); Reward Term Loan (Business); Reward Line of Credit (Consumer); and Convenience Line of Credit (Consumer)

Benefits include competitive salary, bonus plan, medical, dental, group life & long term care insurance, vision care reimbursement, 401(k), and tuition reimbursement program, and a health club allowance.

Current Opportunities