Job Description

Location: Position can be located in Tampa, St. Petersburg or Sarasota.

Balance credit quality of portfolio and loan growth. Assume total responsibility for monitoring portfolio and proactively works to identify weakness in loans to minimize the bank’s exposure and reduce credit risk. Provide for close and personal attention to clients by understanding their overall goals and objectives while promoting and supporting the loan policies and strategic initiatives of the bank. Manage partnership with all Lines of Business for the successful development and administration of the client’s entire relationship with Seacoast. Examine, evaluate, authorize, or recommend approval of customer applications for commercial loans, and effectively manage a commercial loan portfolio by performing the following duties. Provides guidance and assistance to junior lenders as needed.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Assumes total responsibility for on-going monitoring of all assigned accounts. This includes customary portfolio management which includes, but not limited to: an on-going understanding of any changes in the risk profile of all loans, monitoring borrowers compliance to the loan documents, obtaining and reviewing any required documentation or reports in a timely fashion, monitoring loan payments, performs annual reviews on a regular basis. Identification of problems and reporting of problem credits to manager. Coordinates problem loan administration with lending manger, line of Business Executive or Special Assets Administrator.
• Works on detected problems with senior lending officers and credit officers to minimize the bank’s exposure. Proactively manages portfolio to identify weakness in loans, develop strategies with senior lending officers to mitigate weaknesses.
• Interviews applicants and requests specified information for loan application. Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.
• Works collaboratively with the credit department.
• Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
• Corresponds with or interviews applicant or creditors to resolve questions regarding application information. Compiles loan package and facilitates negotiation of loan structure with applicant, including fees loan repayment options, and other credit terms.

• Approves loan within specified limits or refers loan to loan committee for approval. Ensures loan agreements are complete and accurate according to policy and loan approval.
• Assures timely loan closing and funding activities.
• Follows current loans in portfolio to ensure conformity and servicing with approved terms, and compliance to all loan documents, and be cognizant of any developing trends.
• Advises loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations. Recommends and implements appropriate changes to establishment policies and procedures.
• Promotes and cross-sells other establishment products and services as appropriate to customer requirements. Provides loan data to support marketing and sales promotion programs.
• Mentors junior level Commercial Lenders in development and analysis of financials, making decisions on loan terms, credit quality and portfolio management.
• Adhere to Seacoast Bank’s Code of Conduct.

EDUCATION and/or EXPERIENCE:

• Bachelor's degree (B. A.) from four-year college or university; 5+ years Commercial Real Estate lending experience and/or training; or equivalent combination of education and experience. Leadership experience.
• Five + years commercial credit experience.
• Five + years commercial lending.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.

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