SUMMARY:

The Regional Market Executive will direct and coordinate all lending, revenue, and deposit growth activities within the specified region of the Bank. Manages lending and treasury activities to meet Bank goals and objectives. Instrumental in coordinating activities in region for business teams including Commercial, Treasury, Private Banking, and Mortgage Lending.

RESPONSIBILITIES:

· Prepares department scheduling, periodic loan department updates and periodic reports for management’s review.

· Manage and oversee commercial lending team and Treasury Management Officer within specified region of the Bank.

· Examines, evaluates, authorizes, or recommends approval of customer applications for commercial loans and lines of credit. Reviews periodically for required updated financial information and field visits

· Develops and implements new products; reviews loan pricing/fees and recommends changes; ensures resolution of department computer system issues.

· Act as escalation point for various lending issues. Performs commercial loan activities for personal base of customers; review key/critical lender loans; presents commercial loans to loan committee.

· To independently manage, review and approve own, as well as subordinates, highly complex business/commercial loan credit underwriting and loan structures.

· To maintain cohesive, highly trained and motivated staff, sufficient to meet the daily operational needs of the lending department.

· To insure the department meets its goals to maintain delinquency at or below the established percent of loans outstanding; maintain a charge-off rate of not more than the established guidelines; to ensure asset quality of total bank loan portfolio is maintained; to ensure fees on loans are collected at established minimums.

· To ensure that lending operations are in accordance with established Bank policy and are legally compliant.

· Member of Senior Management.