JOB TITLE: Vice President, Lending
FLSA STATUS: Exempt
DATE: July 2026
SAFETY SENSITIVE: No
DEPARTMENT: Lending
REPORTS TO: Market Manager
JOB SUMMARY The Vice President, Lending is responsible for developing and managing commercial and consumer lending relationships while supporting the overall growth and profitability of the bank. This position approves, evaluates, authorizes, or recommends approval of commercial, agricultural, real estate, and consumer lending customers' requests in accordance with established lending policies and procedures. The VP, Lending serves as a trusted financial advisor to customers, develops new business opportunities, manages an assigned loan portfolio, and ensures loan quality and regulatory compliance. The VP, Lending works closely with the Market Manager and other bank personnel to achieve market lending goals, strengthen customer relationships, and contribute to the bank's strategic growth initiatives.
ESSENTIAL DUTIES AND RESPONSIBILITIES
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Develop and maintain profitable relationships with commercial, agricultural, real estate, and consumer lending customers.
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Generate new loan and deposit business through prospecting, networking, referrals, and community involvement.
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Obtain and analyze financial statements, tax returns, credit reports, cash flow analyses, collateral documentation, and other information necessary for credit decisions.
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Meet with applicants to gather information, discuss financing needs, and explain available loan products and services.
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Analyze applicants' financial status, creditworthiness, repayment capacity, and collateral to determine the feasibility of granting loans.
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Structure loan requests and prepare complete credit presentations for approval.
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Approve loans within assigned authority and recommend loan requests to appropriate loan committees as needed.
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Ensure loan documentation is complete and accurate in accordance with bank policy and regulatory requirements.
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Manage an assigned portfolio of commercial and consumer loans, including annual reviews, covenant monitoring, and collection efforts when necessary.
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Monitor loan performance and identify emerging credit risks.
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Review financial information and recommend solutions to meet customer borrowing needs.
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Conduct site visits and inspections as appropriate to evaluate collateral, construction projects, and business operations.
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Develop constructive and cooperative working relationships with customers, community members, and bank personnel.
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Partner with branch and retail staff to identify cross-selling opportunities and enhance customer relationships.
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Maintain a high level of cooperation and communication with teammates to ensure accurate and efficient operations.
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Represent the bank through active participation in community organizations, civic groups, and business development activities.
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Uphold the bank's philosophy, policies, and standard operating procedures.
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Comply with all lending policies, banking regulations, and compliance requirements.
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Exhibit exemplary attendance, professionalism, and punctuality.
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Perform other duties as assigned.
KNOWLEDGE, SKILLS, AND ABILITIES
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Thorough knowledge of commercial, consumer, agricultural, and real estate lending principles and practices.
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Strong understanding of credit analysis, underwriting, loan structuring, and portfolio management.
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Knowledge of banking regulations and lending compliance requirements.
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Strong understanding of accounting principles and financial statement analysis.
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Ability to evaluate complex financial information and make sound credit recommendations.
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Proficiency in Microsoft Outlook, Word, and Excel.
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Proficiency in loan underwriting and financial software systems.
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Excellent customer service, relationship-building, and business development skills.
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Strong verbal and written communication skills.
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Strong analytical, problem-solving, and decision-making abilities.
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Ability to manage multiple priorities and meet deadlines.
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High level of professionalism, discretion, and confidentiality.
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Strong organizational and time-management skills.
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Ability to communicate financial concepts and lending solutions effectively to customers.
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Ability to work independently while collaborating effectively with management and team members.
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Ability to maintain strong attention to detail while handling frequent interruptions.
SUPERVISORY RESPONSIBILITIES AND INTERACTIONS WITH OTHERS
This position generally does not have direct supervisory responsibilities but may provide leadership, mentoring, and guidance to less experienced lenders and banking personnel. The VP, Lending interacts regularly with customers, lending staff, branch personnel, executive management, loan committees, and community leaders.
EDUCATION, TRAINING, AND EXPERIENCE
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Bachelor's degree in Business, Finance, Accounting, Economics, or a related field preferred.
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Minimum of 5 years of lending experience required.
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3-5 years of commercial lending experience required.
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10 or more years of lending experience preferred.
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Commercial lending experience strongly preferred.
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Experience in credit underwriting and financial statement analysis required.
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Demonstrated business development and relationship management experience preferred.
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Valid driver's license and ability to be covered under the bank's insurance policy.
PHYSICAL DEMANDS
The physical demands and working conditions remain consistent with those outlined in the job description. Duties are primarily performed in an office environment with periodic travel to customer locations, business sites, and community events.
WORKING CONDITIONS
Duties are regularly performed in an office environment. The work environment is generally a well-lighted, environmentally controlled indoor environment with a low level of noise. Periodic travel within the market area is required for customer meetings, business development activities, collateral inspections, and community involvement. Evening and occasional weekend activities may be necessary to support business development and customer needs.
This position is designed as a senior-level producer and relationship manager reporting to the Market Manager, with a primary focus on commercial loan growth, portfolio quality, customer relationship management, and business development.
