The Head of Commercial Lending leads the bank"s efforts to originate, structure, underwrite, and manage loans for commercial clients-typically middle-market companies, small businesses, and sometimes larger enterprises-while ensuring the portfolio remains profitable and compliant.
Key Responsibilities
1. Strategy & Growth
* Set the overall commercial lending strategy (target industries, deal size, risk appetite)
* Drive loan growth, fee income, and interest margin
* Identify new markets, products, and verticals (e.g., CRE, C&I, SBA, asset-based lending)
* Align lending strategy with the bank"s broader financial and risk objectives
2. Team Leadership
* Lead commercial lenders, relationship managers, credit officers, and support teams
* Hire, coach, and develop high-performing lending teams
* Set production goals and performance metrics
* Ensure consistent underwriting and relationship management standards
3. Client Relationship Management
* Serve as an executive sponsor for key commercial clients
* Build and maintain relationships with business owners, CFOs, and financial sponsors
* Structure complex deals and negotiate terms
* Cross-sell treasury, cash management, payments, and other bank products
4. Credit & Risk Management
* Oversee credit policy, underwriting standards, and approval processes
* Review and approve large or complex credit requests
* Monitor portfolio performance, concentrations, delinquencies, and charge-offs
* Work closely with risk, compliance, and loan review teams
5. Portfolio & Performance Oversight
* Manage the commercial loan portfolio for profitability, yield, and credit quality
* Analyze trends in industries, geographies, and borrower performance
* Adjust strategy in response to economic conditions and regulatory guidance
6. Regulatory & Compliance Oversight
* Ensure compliance with banking regulations (OCC, FDIC, state regulators)
* Participate in regulatory exams and audits related to lending
* Ensure fair lending, documentation, and credit governance standards are met
7. Executive & Board Engagement
* Report regularly to executive leadership and the Board
* Present portfolio metrics, risk assessments, and growth plans
* Provide insight into economic and market conditions impacting borrowers
I
Impact Payments Recruiting (formally CSH Consulting)