FCN Bank Chief Loan Officer

• Provide strategic leadership and direction for all lending, credit, loan operations, and collections functions.
• Develop, implement, and maintain the Bank's lending strategy in alignment with the Bank's strategic plan.
• Collaborate with executive leadership and the Board of Directors on growth initiatives, profitability goals, and risk management.
• Develop and maintain the Bank's Credit Policy in partnership with the Senior Credit Officer.
• Serve as a member of the Executive Leadership Team and Asset Liability Committee (ALCO).
• Serve as a permanent member of the Senior Loan Committee.
• Approve employee loan requests and lending exceptions within established authority.
• Oversee the Bank's Lender Incentive Compensation Program.
• Monitor loan portfolio performance and ensure strong asset quality.
• Ensure compliance with all regulatory requirements and Bank policies.

• Recruit, develop, coach, and evaluate lending staff.
• Foster a culture of accountability, collaboration, and relationship banking.
• Provide ongoing coaching and professional development opportunities.
• Partner with the Collection Manager on workout strategies and collection efforts.
• Partner with the Loan Operations Manager to ensure efficient documentation, processing, and servicing of loans.
• Work closely with the Senior Credit Officer to maintain strong underwriting standards and credit quality.
• Evaluate departmental performance and implement continuous process improvements.

• Develop and maintain a commercial real estate and agricultural loan portfolio through proactive calling efforts on customers, prospects, and Centers of Influence (COIs).
• Build long-term customer relationships through consultative financial solutions.
• Analyze financial information and structure sound, profitable credit opportunities.
• Approve or recommend loan requests within established lending authority.
• Negotiate loan terms and prepare written commitments and proposals.
• Monitor portfolio performance including financial statements, tax returns, borrowing base certificates, insurance, and payment performance.
• Maintain complete and accurate credit files in accordance with Bank policy and regulatory requirements.
• Take primary responsibility for collection efforts within assigned commercial and agricultural portfolio.
• Cross-sell additional Bank products and services while ensuring outstanding customer service.
• Represent FCN Bank through active participation in community organizations and business development activities.
• Perform other duties as assigned.

• Bachelor's degree in Business, Finance, Accounting, Economics, or related field, or equivalent experience.
• Minimum of ten (10) years of progressively responsible banking and lending experience.
• Significant commercial real estate lending experience.
• Previous leadership and personnel management experience preferred.
• Strong understanding of commercial credit analysis and loan portfolio management.
• Business development and relationship banking experience.
• Equivalent combinations of education and experience may be considered.

• Exceptional leadership and team development skills.
• Strong relationship-building and business development abilities.
• Excellent verbal and written communication skills.
• Strong financial analysis and credit underwriting knowledge.
• Strategic planning and decision-making abilities.
• Sound judgment and problem-solving skills.
• Excellent organizational and time management skills.
• Strong analytical abilities and attention to detail.
• Ability to manage multiple priorities in a fast-paced environment.
• Working knowledge of banking regulations and compliance requirements.
• Proficiency in Microsoft Office Suite, including Excel, Word, and Outlook.

Compensation details: 120000-170000 Yearly Salary

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