SVP, Chief Lending Officer

Company: Ephrata National Bank
Location: Ephrata
Posted on: February 14, 2025

Job Description:

Summary:The Chief Lending Officer leads the creation, execution, and implementation of the bank?s lending strategy. Develops, recommends and implements lending policies and products that drive the bank?s mission of meeting the needs of the communities that the bank serves. Manages the business development process to meet revenue and growth goals as defined by the annual budgeting process. Ensures compliance with state and federal lending laws. Monitors and analyzes economic conditions affecting the loan portfolio performance, and recommends appropriate action. Oversees the servicing of the loan portfolio and maintenance of loan risk ratings. Essential Functions:Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Embodies ENB?s value-proposition of ?Enhancing and building our clients? financial well-being.? Demonstrates the character and discipline required to deliver on this promise to the bank?s customers. Convenes cross-functional collaboration with SMEs to fully deliver the bank?s products and services to the marketplace.
• Develop business plans for lending business segments to align with the ENB strategic plan. Establish and ensure the implementation of target goals for the departments. Establish and monitor departments? annual budgets
• Oversee and monitor the commercial, agricultural, residential, consumer and small business lending functions to achieve the bank?s strategic goals. Oversee the work of loan managers and team leaders in these lending areas to include sales (loan originators), portfolio management, and loan servicing. Collaborate with cross-functional leaders to ensure accurate underwriting, loan processing, and loan documentation; accepts responsibility for accuracy within the loan-making process.
• Research and evaluate feasibility of new lending products. Develop and implement plans for expansion of the lending programs. Keep abreast of changes in the industry and changing trends in lending and react to changes in a way that maintains competitiveness in product design and delivery channel
• Ensures that loan policies, procedures, services , delivery channels and documentation meet federal and state regulations
• Analyzes and completes regularly schedule loan reports. Develops procedures and reporting tools for effective information flow through department and affected individuals. Information should allow for optimizing performance of loan portfolio and service delivery goals
• Maintain up to date knowledge of competitors? rates, terms, products and other marketplace trends relating to residential mortgage and consumer lending. Provide timely feedback that allows the bank to react competitively.
• Work with the senior management team to development and implement a sustainable, results oriented and customer centric strategy that will deliver on shareholder, board, and customer expectations.Required Education and Experience:
  • Bachelor?s degree from an accredited college preferred. MBA preferred.
  • Must have 12-15 years? lending experience and at least five 5 years managing a bank lending team.
  • Knowledge of Local, State and National laws relating to residential mortgage financing.
  • Experience in working with government lending programs such as SBA, FSA, FNMA, FHLMC, FHA, VA & USDA.
  • Excellent business decision making skills. Ability to analyze for strategic purposes.
  • Excellent verbal and written communication skills. Excellent planning and organization skills.
  • Excellent working relationship with other support areas of the bank.
  • Ability to oversee a fast-paced environment while managing multiple projects.
  • Excellent presentation and consensus-building skills.
  • Demonstrated understanding of all lending processes including processing, underwriting and closing.Competencies:
    • ENB Operational and Functional Competencies.
    • ENB Leadership SET Competencies (Strategy, Execution and Talent) Supervisory Requirements:This position supervises the Commercial, Agricultural, Residential, Consumer and Small Business Lending business segments.Work Environment:This job operates in a professional work environment. This role routinely uses standard office equipment such as computers, monitors, mouse, keyboard, phones, printers, scanners, photocopiers, filing cabinets, calculator, and fax machines. Due to physical location of this position, phone ringing, and people conversing, it may be difficult to hear at times and therefore easily distracting.Physical Demands:Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.While performing the duties of this job, the employee is regularly required to talk or hear. Specific vision required by the job includes close vision, distance vision, and ability to focus. While this position is primarily sedentary, the employee is frequently required to stand, walk, use hands to finger, handle or feel objects or controls, reach with hands and arms, bend, balance, stoop, kneel, and crouch. The employee must be able to lift and/or move up to 25 pounds including standard computer and copy paper boxes, and must be able to open and close filing cabinets and drawers.Position Type and Expected Hours of Work:This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5 p.m. Flexibility of schedule to meet business needs is required.Travel:This position may require travel.EEO Statement:Ephrata National Bank supports a diverse workforce and is an Equal Opportunity Employer. It is the policy of Ephrata National Bank to provide equal employment opportunities without regard to race, ethnicity, color, religion, sex, national origin, age, disability, marital status, covered veteran status, sexual orientation, gender identity, genetic information or any other protected characteristic applicable under law. The bank complies with all relevant federal, state, and local laws, as well as, all regulations regarding nondiscrimination. This job description reflects management?s assignment of essential functions and position responsibilities. Nothing in this job description restricts management?s rights to assign or reassign duties and responsibilities to this job at any time. The employee is expected to adhere to all of Ephrata National Bank?s procedures and to act as a role model in the adherence to bank polices.Please see job descriptionPI262030430Please see job description

Keywords: Ephrata National Bank, Lancaster , SVP, Chief Lending Officer, Executive , Ephrata, Pennsylvania