Small Business/Consumer Loan Manager

Role Summary/Purpose

Under general direction of the Executive Vice President/Chief Operating Officer, the SVP Small Business and Consumer Loan Production Manager, provides vision leadership and administrative oversight for the company's consumer loan and small business production to include all consumer and small business lending products, production, pricing and delivery and support processes. Develops and implements consumer and small business loan origination and servicing programs supporting retail banking center network. Ensures business level application of systems and product support processes, policies and systems effectively support corporate objectives for relationship growth, efficiency/profitability, customer experience, regulatory compliance and risk management. All activities are performed consistent with Seattle Bank business objectives and budget expectations.

Essential Responsibilities

• Program Management: Responsible for developing, evaluating and implementing complex projects and work assignments according to bank and department goals and objectives, policies and expectations. Responsible for overall management of the company's consumer and small business loan production, including origination, processing, pricing, reporting and collections.
• Leads the development of overall consumer and small business loan programs, products, processes, objectives, pricing, and policies.
• Evaluates the assigned portfolio and analyzes any developing trends relative to credit quality, acquisition, activation, growth, retention and profitability. Ensures portfolio credit quality characteristics conform with budget and policy directives.
• Develops and implements effective marketing/business strategies for consumer and small business loan programs including branch originations and alternative delivery through direct mailings, telephone, and Internet originations.
• Acts as a consumer and small business lending product manager. May serve as liaison between Bank and vendors in developing marketing/business strategies for small business leasing and credit card sales programs supporting Seattle Bank.
• Exercises administrative control over all phases of origination and servicing departmental operations under his/her supervision, including product development and management, small business and consumer loan underwriting, collections, and loan operations.
• Meets regularly with manager and key individuals in department to clarify and review objectives/goals, discuss current problems and status of various issues related to assigned responsibilities and makes recommendations for product and production efficiencies.
• Evaluates new processes, products and contracts as presented by various vendors.
• Business Continuity Planning: Support business impact analysis enterprise risk assessment program for small business and consumer lending functions.
• Product implementation and support: Ensure small business lending, consumer lending and loan operations functions support the bank's marketing plan, product delivery, sales management and promotion objectives.
• Vendor Management: Responsible for the proactive management of vendors supporting small business and consumer lending team functions.
• CRA Support: Support Community Reinvestment Act and community development initiatives with volunteerism and proactive efforts to deliver financial services to low and moderate income sectors of the communities we serve.
• Budget: Develop and monitor budget and forecast reports for appropriate department business units and ensure functions perform in line with budget expectations.
• Loan Underwriting: Reviews and approves/declines consumer and small business credit requests within the assigned limit and provides guidance when needed in order to secure business on behalf of the bank.
• Ensures that policies and procedures are effective and implemented consistently and in accordance with the bank's objectives and banking regulations.
• Establishes and negotiates terms for extensions of credit, including pricing, repayment method and schedule, and collateral requirements. Ensured loans are properly documented per the terms of the credit approvals and agreements.
• Reviews the status of current loans outstanding and performs follow-up activities as necessary. Analyzes the continued credit worthiness of each customer. Ensures compliance with all terms of each loan. Takes timely and appropriate action on past due accounts in accordance with bank policy and procedure to ensure the collectability and mitigation of risk.
• Customer Service/Audit Quality: Ensures that project output/products and services are useful, timely, and acceptable to meet customer/program needs. Establish service objective service quality objectives and establish monitoring processes to manage to those standards.
• Receives calls from both internal and external customers. Identifies customer needs and takes appropriate action to resolve problems and/or issues. Researches specific questions and resolves within appropriate time frame. Ensures bank policy and procedures are followed.
• Works with banking center and operations staff to ensure programs support client service requirements, operational and risk management objectives as well as quality assurance expectations.
• Ensure internal and external audit ratings are satisfactory or better and that noted deficiencies are addressed in a timely manner.
• Communications: Performs a variety of written and verbal communication tasks and projects in order to ensure satisfactory completion/implementation of work or projects. Communications must be professional, articulate, and knowledgeable.
• Coordinates and conducts staff meetings and presentations to ensure compliance and understanding of all operational policies and procedures.
• Authors informal and formal written communiqués for internal and/or external customers, management, employees, etc., to include memorandums, Board reports, policy updates, etc.
• Answer questions from all levels of personnel pertaining to policies, procedures, etc.
• Training/Supervision: Routinely and consistently provides leadership, motivation and effective training to enhance and increase productivity of staff members`.
• Interview, hire, and terminate employees in accordance with established policies and procedures; coaches employees on performance improvement objectives.
• Establish objective performance objectives and clear measurement processes for subordinates.
• Monitor staff work performance; prepare performance evaluations; encourage the ongoing development of department staff.
• In conjunction with the senior community and business banking officials support ongoing operational and product delivery training for customer facing team members to ensure delivery processes are understood and adhered to.
• Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
• Management Effectiveness/Team Skills: Provides in-house expertise on issues relating business systems, product delivery and operational support processes.
• Establish and articulate departmental goals that are measurable in terms of product enhancements, service quality, risk management and efficiency.
• Keep informed of industry developments and trends affecting product delivery and operations through trade publications, conferences, meetings and visits. Continually implement changes in procedures and process to maximize productivity, product features and service levels.
• Meets regularly with internal departments to clarify and review objectives/goals, discuss current problems and status of various issues related to assigned responsibilities.
• Reviews/reports variances from policies or expectations and corrects deficiencies as needed.
• Establishes and maintains effective rapport with all levels of employees and management to properly administer, update, and develop polices and ensure understanding of policies.
• Negotiates and resolves conflicts around work issues and/or communicates problems to the appropriate manager for resolution.
• Participates in work unit or company activities that enhance the efforts and goals of the department and/or team.
• Active Participation in ALCO, Pricing, Audit and Compliance Committees.
• Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct.

Qualifications/Requirements

• Bachelor's degree (BA) or equivalent from a four year college or university; and ten years consumer/small business lending related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial analyzing or lending background.
• Solid risk management practices and regulatory compliance standards.
• Demonstrated success and experience building and leading centralized small business and consumer lending programs with manual and score assisted credit approval systems.
• Strong background in small business and consumer origination and portfolio management policies and processes. Advanced experience, knowledge and training in financial statement and tax return analysis. Advanced knowledge of commercial, real estate and consumer loan origination and servicing practices.
• Excellent employee leadership, motivation and performance management skills.
• Thorough knowledge/understanding of credit risk management, legal and regulatory matters and industry trends.
• Clear performance track record of having achieved results.
• Thorough understanding of departmental professional/business goals and how they contribute to the bank's business objective.
• Effective written and verbal communication and presentation skills.
• Demonstrated effective time/project management skills.
• Working knowledge of word processing, spreadsheet and database software programs desired.

CREDIT AND CRIMINAL BACKGROUND CHECK REQUIRED.