Senior Commercial Loan Officer - C&I Specialist

at  Capitol Federal

Job Description:
Role
The Senior Commercial and Industrial Lending Specialist is responsible for leading and managing the bank’s commercial and industrial (C&I) loan portfolio growth. This senior-level role requires strategic leadership, a deep understanding of credit risk, and the ability to foster relationships with business clients. The lender will oversee the development and execution of lending strategies for businesses, focusing on growing the C&I portfolio while maintaining sound credit quality and profitability. Additionally, the role will involve collaborating with other departments and ensuring compliance with all regulatory requirements.

Essential Duties & Responsibilities

• Ensure alignment with organizational goals.
• Develop and implement lending strategies to drive business growth while minimizing risk.
• Oversee the portfolio management of existing commercial and industrial loans, ensuring high-quality service and relationships with clients.
• Establish and monitor key performance metrics for the leadership team, ensuring performance targets are met or exceeded.
• Identify and pursue new business opportunities to expand the C&I loan portfolio.
• Cultivate and maintain relationships with key clients, industry partners, and referral sources.
• Collaborate with clients to understand their financing needs and develop tailored lending solutions.
• Present loan proposals and financial solutions to clients, addressing any concerns or issues.
• Ensure the C&I loan portfolio adheres to risk management guidelines and regulatory standards.
• Review loan requests, including assessing credit risk and recommending appropriate loan structures.
• Work with leadership to assess loan portfolio, including conducting due diligence, financial analysis, and reviewing borrower information.
• Ensure compliance with all regulatory and internal lending policies and procedures.
• Oversee the budgeting, forecasting, and reporting of the C&I lending portfolio’s financial performance.
• Prepare and present regular reports on the health and performance of the C&I portfolio.
• Stay informed of industry trends, market conditions, and changes in regulations that may impact the C&I lending market.
• Maintain knowledge of competitors’ offerings and identify opportunities for competitive differentiation.

Knowledge & Skills

Experience

• Minimum of 10 years of experience in commercial and industrial lending or a related banking role, with at least 5 years in a leadership position.
• Proven track record of successfully managing and growing a C&I loan portfolio.
• Strong experience in credit analysis, loan structuring, and portfolio management.
• In-depth knowledge of commercial loan products, financial markets, and lending regulations.

Education
Bachelor’s degree in Business, Finance, Economics, or a related field. MBA or equivalent advanced degree preferred.

Skills

• Strong leadership, team-building, and people management skills.
• Excellent communication, negotiation, and interpersonal skills.
• Ability to analyze complex financial statements, assess credit risk, and make sound lending decisions.
• Strategic thinking and problem-solving ability to identify opportunities and mitigate risks.
• High attention to detail and strong organizational skills.
• Ability to travel as needed to meet clients or attend industry events.

Physical Requirement
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management.
Regular in-office attendance required.
Mental and/or Emotional Requirements
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to complete complex mathematical calculations and spell accurately. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters .
CapFed® is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees

• Ensure alignment with organizational goals.
• Develop and implement lending strategies to drive business growth while minimizing risk.
• Oversee the portfolio management of existing commercial and industrial loans, ensuring high-quality service and relationships with clients.
• Establish and monitor key performance metrics for the leadership team, ensuring performance targets are met or exceeded.
• Identify and pursue new business opportunities to expand the C&I loan portfolio.
• Cultivate and maintain relationships with key clients, industry partners, and referral sources.
• Collaborate with clients to understand their financing needs and develop tailored lending solutions.
• Present loan proposals and financial solutions to clients, addressing any concerns or issues.
• Ensure the C&I loan portfolio adheres to risk management guidelines and regulatory standards.
• Review loan requests, including assessing credit risk and recommending appropriate loan structures.
• Work with leadership to assess loan portfolio, including conducting due diligence, financial analysis, and reviewing borrower information.
• Ensure compliance with all regulatory and internal lending policies and procedures.
• Oversee the budgeting, forecasting, and reporting of the C&I lending portfolio’s financial performance.
• Prepare and present regular reports on the health and performance of the C&I portfolio.
• Stay informed of industry trends, market conditions, and changes in regulations that may impact the C&I lending market.
• Maintain knowledge of competitors’ offerings and identify opportunities for competitive differentiation