EVP, Chief Lending Officer
EVP, Chief Lending Officer
First Command Financial Services, Inc.
Fort Worth, TX
See who First Command Financial Services, Inc. has hired for this role
Job Description
- Continual assessment and optimization of the bank’s commercial and consumer loan portfolio performance utilizing data analytics tools and insights to maximize the bank’s loan-to-deposit ratio.
- Ensure high credit quality of the loan portfolio by continually evaluating underwriting standards and overseeing the ongoing monitoring of the loan portfolio, the collection of delinquent accounts, and assignment of proper risk rating grades and proper reserve levels.
- Lead the Current Expected Credit Loss (CECL) process to calculate the bank’s reserve leveraging well documented methodologies for the safety and soundness of the bank.
- Partner with Advisor Operations, Financial Planning, and Marketing to influence and elevate advisor and client engagement for banking opportunities during the client engagement process and new client onboarding.
- Conduct bank presentations and training for Districts and Advisors on the features and benefits of leveraging Debt Consolidation Loans to reduce high interest debt and increase savings for our target market, and SBA loans for clients transitioning from military to civilian life to start a small business.
- Lead the bank lending experience in partnership with User Experience team for all client delivery touch points to drive sustained growth of the loan portfolio.
- Collaborate and contribute to First Command’s product development process through market, industry, client, and field research to enhance the client and field force experience by extending innovative industry available products with unique client attributes that are integrated with financial planning for our target market.
- Partner with Bank Treasurer and Compliance officer in the risk assessment process of the consumer portfolio to include interest rate sensitivity, compliance and strategic risk, and consumer credit concentration.
- Assess and update lending policy guidelines to meet all safety and soundness requirements along with prudent underwriting criteria commensurate with our target market and financial planning model
- Ensure the appropriate internal preventive and detective controls are maintained within Consumer and Commercial loans and Card Services to include Military Lending Act (MLA), Servicemembers Civil Relief Act (SCRA), and federal regulations.
- Set goals, monitor work, and evaluate results to ensure that departmental and organizational objectives and compliance requirements are met and are in line with the needs and mission of the organization.
- Coach, develop, and inspire direct reports to meet performance objectives and team goals. This includes establishing development plans for future growth and succession planning.
- Communicate and work closely with other members of the leadership team and successfully collaborates with departments across the organization to achieve revenue goals and customer experience targets.
- Develop and direct the administration of a multi-million expense budget which includes staffing, negotiations for expenditures, managing vendor relationships/expenses, analyzing reports, initiating process improvements, and reducing cost
- Ensure the development and maintenance of an effective organization for area(s) of responsibility to include efficient workflow patterns; established performance standards; effective delineation of duties and responsibilities; suitable staffing levels; appropriate supervision; and systems for timely communication of pertinent information.
- Must have knowledge of all bank lending, card services, collections, and deposit procedures and policies to manage the daily requirements of running the department. Stay current on all changes affecting the bank and communicates these changes to the department to ensure compliance
- 10 to 15 years of banking or financial services experience required.
- 7 to 10 years of bank portfolio lending with credit authority experience required.
- 3 to 5 years of debit and credit card product management experience preferred
- 3 to 5 years of mortgage experience preferred.
- Safe Agile experience preferred.
- Possesses maturity and demonstrations professionalism in addressing problems and recommending solutions to quickly resolve personnel or client issues.
- Adept at setting priorities, determining tasks and delegating work assignments for the assigned teams.
- Experience leading and coaching a client-focused team of highly qualified banking professionals and team leaders to achieve annual business plan objectives and value-added performance targets in accordance with the regulations, policies, and guidance of the President / CEO of FCB, and the FCB Board of Directors.
- Excellent analytical and critical thinking skills to assess situations, troubleshoot and make recommendations from both strategic and tactical perspectives.
- Proven ability to assimilate, understand and manage problem solving and opportunities recognition in context of consumer bank sales and product development.
- Expertise in aligning business process to the business goals leading to improvement in bottom-line, cost reduction and optimization and performance excellence.
- Demonstrate excellent leadership and interpersonal communication skills to effectively communicate with executives and board members.
- Must be able to work independently or within a team environment with little or no supervision, be self-motivated and demonstrate initiative to take on new tasks.
- Must be detail oriented, possess strong organizational skills, trustworthy and comfortable working in a highly confidential business environment.
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Seniority level
Executive -
Employment type
Full-time -
Job function
Finance and Sales -
Industries
Financial Services
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