Chief Lending Officer

This is a senior role responsible for managing the overall asset quality of organization, including the factoring division. This individual must build, lead, and motivate staff to perform in a manner that is consistent with the vision andobjectivesof the organization.

Qualifications:This person should have a bachelor's degree, plus ten years of progressive experience in bank lending, orthe equivalent. Must havedemonstratedskills in underwriting loans, managing large credits, loan structuring, loan workouts, loanoperationsand servicing, as well as regulatory requirements

PrincipalResponsibilities:

• Lead the team and develop an atmosphere of teamwork, opencommunicationand unity. Provide oversight of all services offered. Actively mentor staff and ensure they are trained, evaluated, and motivated to perform their responsibilities in an effective and progressive manner.

• Manage the overall direction of credit administration, including quality control, loanoperationsand loan servicing. Ensuring all activities are conducted efficiently andeffectivelyand all staff are held accountable to perform their responsibilities, while supporting business partners.

• Provide support and guidance to the bank presidents and loan officers on credit related issues, focusing on asset quality and healthy growth. Serve as a resource person for others, including Regional Credit Managers and, on occasion, customers,regardingapplication or interpretation of any Policies and Guidelines. This includes providingappropriate managementof credits thatrepresentcurrent or potential risk exposure.

• Actively seek out and engage in technology toassistin streamlining processes. Act as a lead onidentifiednewsystems,processes.

• Act as chairperson of the Executive Credit Committee, reviewing large loan requests as directed by the Loan Policy and Guidelines. Serve as the chairperson of the Loan Treasury Committee, setting loan rates throughout the organization.

• Oversee the Allowance for Credit Losses (ACL) levels at the banks and ensure calculations are performedin accordance withapplicable regulations.

• Responsible for the correction of all deficiencies noted in the internal and external audits and regulatory examinations.Determineandmonitorconcentration limits within the loan portfolio.

• Keep abreast of all laws and regulations thatimpactthe Company's lending& factoringactivities. Ensure Loan Policy and Guidelines aremaintainedin a manner that all business loans and factoringare in compliance withthe applicable laws and regulations.

• Be an active member of the Executive Committee. Responsible for planning andestablishingbroad overall policies, philosophies, and strategies toattaincurrent and long-range goals andobjectivesfor the organization.

• Actin accordance withFBT policies and procedures asset forth inthe employee handbook.

• Adhere to compliance procedures andparticipatein required compliance training.