The First National Bank of Elmer
SVP/Chief Lending Officer
Location – Lending Operations – Elmer, NJ
Salary Range: $215,000 - $245,000 Yearly
About The First National Bank of Elmer Founded in 1903, The First National Bank of Elmer (FNBE) is a long‑standing, community‑centered financial institution serving individuals and businesses throughout South Jersey. With a reputation built on trust, service, and local decision‑making, we continue to grow while preserving our commitment to personalized banking and strong community relationships.
Job Summary Responsible for all lending activities in the bank, including consumer, commercial and real estate loans made by the bank. Supervises the bank’s team of commercial relationship managers, retail and mortgage lenders and loan operations to ensure that loan, deposit, fee income and loan pricing goals are achieved or exceeded. Also responsible for new business development and the bank’s portfolio of borrowing and non‑borrowing client relationships in conformance with established policies and procedures. A member of senior management participating in the strategic direction of the organization who works closely with other senior managers to ensure a cooperative relationship between all areas of the bank. Actively participates in the development of all management and board initiatives with the staff, community, and clients. Required to be active in the bank’s target markets.
Essential Functions
Maintains a strong knowledge and understanding of appropriate banking laws, regulations, internal policies, and procedures, and complies fully with those laws, regulations, policies and procedures.
Partners with the CEO and Executive team to establish long‑term lending goals and financial performance targets.
Acts as a member of the bank’s management loan committee and participates in the board loan committee to present credits, discuss origination, pipeline, etc.
Supervises the bank’s team of commercial and retail loan relationship managers to ensure that loan, deposit, fee income, and loan pricing goals are achieved or exceeded.
Allocates appropriate time to the development of new business (loans and deposits) for the bank and is accountable for meeting or exceeding all assigned sales/deposit and cross‑sales goals – both their own and those of the lending team.
Makes joint calls with commercial and small business lenders to provide coaching and guidance to assist in getting new business and/or closing the deal.
Maintains the bank’s loan pipeline report ensuring information is current, accurate and that opportunities are actively managed and monitored.
Supervises the lending team to ensure that loan write‑ups are clear, concise, and completed in a timely fashion.
Supervises the lending and loan operations team to ensure that all loans are properly and accurately documented, including all relevant information necessary to make an informed credit decision and are complete in all respects, both at loan‑funding and on an ongoing basis.
Supervises the lending team to ensure that any delinquencies are rigorously worked to receive payment as soon as each loan becomes past due. All loans are to be monitored in order to obtain updated financial information, and to be proactive in the renewal of maturing loans.
In conjunction with the Accounting Department, assist with all aspects of the bank’s Current Expected Credit Losses (CECL) process.
Identifies opportunities to revise existing and/or develop new lending products and services to meet the needs of the market and help the bank to meet its production goals.
Partners with retail banking to build and strengthen relationships with local businesses, and community partners across South Jersey.
Looks for opportunities for the bank to hold customer / prospect events, value‑added seminars, etc. to help generate new business and leads. Helps coordinate those events to ensure maximum return on investment.
Joins and actively participates in key business associations and networking groups to promote and generate new business for the bank.
Ensure compliance with FNBE corporate guidelines and regulatory expectations related to BSA/AML/OFAC requirements.
Ensures the bank’s overall loan quality objectives and operational goals are met.
Supervisory Duties
Leads the lending team to ensure that loan write‑ups are clear, concise, and completed in a timely fashion.
Provides ongoing training, coaching, mentoring, and development for direct reports to ensure they have the skills necessary to do their job effectively and ensures that goals are being met.
Performs staff reviews, coaching and disciplinary actions in conjunction with the Loan Administration Officer and Loan Operations Manager.
Addresses staff concerns or issues reporting to and conferring with Loan Administration Officer and Loan Operations Manager.
Education, Experience & Certifications
Bachelor’s degree and 10+ years financial services experience, with five or more years in progressively responsible roles in the credit/lending industry required.
10 years minimum commercial lending experience required.
10 years proven sales/business development experience required.
5 years experience with officer‑level supervision/management required.
Experience with workouts, problem loans, and restructuring analysis and methodology required.
Full range of expertise in mortgage and consumer lending regulations required.
Knowledge, Skills & Abilities
Thorough knowledge of consumer, commercial, and mortgage loan productions and collections‑related functions.
In‑depth knowledge of lending theory, risk‑based pricing, collections, pricing strategies, and portfolio risk analysis, with an emphasis in new business and loan portfolio management.
Ability to connect and network effectively with people.
Ability to operate independently at a fast pace, like variety, and handle multiple tasks.
Well‑developed written, communication, and presentation skills, including superb ability to communicate highly technical concepts effectively.
Professional appearance, strong sales, and service orientation.
Applicable PC and software proficiency.
Ability to be effectively organized in a fluid environment.
Thorough understanding of and ability to appropriately structure commercial loans.
Thorough understanding of financial and cash flow analysis and government lending experience preferred.
Computer experience in MS Office applications including Excel preferred.
Opportunity to influence strategy at a respected community bank with more than a century of history.
A culture rooted in integrity, personal service, and meaningful community engagement.
Competitive compensation, executive benefits, and a supportive leadership team.
Benefits Include
Health, dental, and vision benefits
401K with employer safe harbor contribution
Holidays off with pay
Paid Vacation Time
Paid Sick Time
Employee Assistance Program (EAP)
Flexible Spending Account (FSA)
Long Term Disability
Tuition Assistance
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Location – Lending Operations – Elmer, NJ
Salary Range: $215,000 - $245,000 Yearly
About The First National Bank of Elmer Founded in 1903, The First National Bank of Elmer (FNBE) is a long‑standing, community‑centered financial institution serving individuals and businesses throughout South Jersey. With a reputation built on trust, service, and local decision‑making, we continue to grow while preserving our commitment to personalized banking and strong community relationships.
Job Summary Responsible for all lending activities in the bank, including consumer, commercial and real estate loans made by the bank. Supervises the bank’s team of commercial relationship managers, retail and mortgage lenders and loan operations to ensure that loan, deposit, fee income and loan pricing goals are achieved or exceeded. Also responsible for new business development and the bank’s portfolio of borrowing and non‑borrowing client relationships in conformance with established policies and procedures. A member of senior management participating in the strategic direction of the organization who works closely with other senior managers to ensure a cooperative relationship between all areas of the bank. Actively participates in the development of all management and board initiatives with the staff, community, and clients. Required to be active in the bank’s target markets.
Essential Functions
Maintains a strong knowledge and understanding of appropriate banking laws, regulations, internal policies, and procedures, and complies fully with those laws, regulations, policies and procedures.
Partners with the CEO and Executive team to establish long‑term lending goals and financial performance targets.
Acts as a member of the bank’s management loan committee and participates in the board loan committee to present credits, discuss origination, pipeline, etc.
Supervises the bank’s team of commercial and retail loan relationship managers to ensure that loan, deposit, fee income, and loan pricing goals are achieved or exceeded.
Allocates appropriate time to the development of new business (loans and deposits) for the bank and is accountable for meeting or exceeding all assigned sales/deposit and cross‑sales goals – both their own and those of the lending team.
Makes joint calls with commercial and small business lenders to provide coaching and guidance to assist in getting new business and/or closing the deal.
Maintains the bank’s loan pipeline report ensuring information is current, accurate and that opportunities are actively managed and monitored.
Supervises the lending team to ensure that loan write‑ups are clear, concise, and completed in a timely fashion.
Supervises the lending and loan operations team to ensure that all loans are properly and accurately documented, including all relevant information necessary to make an informed credit decision and are complete in all respects, both at loan‑funding and on an ongoing basis.
Supervises the lending team to ensure that any delinquencies are rigorously worked to receive payment as soon as each loan becomes past due. All loans are to be monitored in order to obtain updated financial information, and to be proactive in the renewal of maturing loans.
In conjunction with the Accounting Department, assist with all aspects of the bank’s Current Expected Credit Losses (CECL) process.
Identifies opportunities to revise existing and/or develop new lending products and services to meet the needs of the market and help the bank to meet its production goals.
Partners with retail banking to build and strengthen relationships with local businesses, and community partners across South Jersey.
Looks for opportunities for the bank to hold customer / prospect events, value‑added seminars, etc. to help generate new business and leads. Helps coordinate those events to ensure maximum return on investment.
Joins and actively participates in key business associations and networking groups to promote and generate new business for the bank.
Ensure compliance with FNBE corporate guidelines and regulatory expectations related to BSA/AML/OFAC requirements.
Ensures the bank’s overall loan quality objectives and operational goals are met.
Supervisory Duties
Leads the lending team to ensure that loan write‑ups are clear, concise, and completed in a timely fashion.
Provides ongoing training, coaching, mentoring, and development for direct reports to ensure they have the skills necessary to do their job effectively and ensures that goals are being met.
Performs staff reviews, coaching and disciplinary actions in conjunction with the Loan Administration Officer and Loan Operations Manager.
Addresses staff concerns or issues reporting to and conferring with Loan Administration Officer and Loan Operations Manager.
Education, Experience & Certifications
Bachelor’s degree and 10+ years financial services experience, with five or more years in progressively responsible roles in the credit/lending industry required.
10 years minimum commercial lending experience required.
10 years proven sales/business development experience required.
5 years experience with officer‑level supervision/management required.
Experience with workouts, problem loans, and restructuring analysis and methodology required.
Full range of expertise in mortgage and consumer lending regulations required.
Knowledge, Skills & Abilities
Thorough knowledge of consumer, commercial, and mortgage loan productions and collections‑related functions.
In‑depth knowledge of lending theory, risk‑based pricing, collections, pricing strategies, and portfolio risk analysis, with an emphasis in new business and loan portfolio management.
Ability to connect and network effectively with people.
Ability to operate independently at a fast pace, like variety, and handle multiple tasks.
Well‑developed written, communication, and presentation skills, including superb ability to communicate highly technical concepts effectively.
Professional appearance, strong sales, and service orientation.
Applicable PC and software proficiency.
Ability to be effectively organized in a fluid environment.
Thorough understanding of and ability to appropriately structure commercial loans.
Thorough understanding of financial and cash flow analysis and government lending experience preferred.
Computer experience in MS Office applications including Excel preferred.
Opportunity to influence strategy at a respected community bank with more than a century of history.
A culture rooted in integrity, personal service, and meaningful community engagement.
Competitive compensation, executive benefits, and a supportive leadership team.
Benefits Include
Health, dental, and vision benefits
401K with employer safe harbor contribution
Holidays off with pay
Paid Vacation Time
Paid Sick Time
Employee Assistance Program (EAP)
Flexible Spending Account (FSA)
Long Term Disability
Tuition Assistance
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