Vice President, Loan Officer, Sandy Team Lead

Summary 

Accordia Bank is seeking an experienced Commercial Lending Team Lead to drive loan and deposit growth while leading the lending efforts of the Sandy branch. This player-coach role combines business development, relationship management, commercial lending production, and team leadership responsibilities for a proven lender who thrives on growing market share, mentoring others, and building comprehensive banking relationships. 

Responsibilities 

• Lead commercial loan and deposit growth initiatives for the Sandy branch. 

• Support annual branch budgeting, forecasting, and strategic growth planning. 

• Mentor, coach, and collaborate with branch loan officers and lending support staff to strengthen production and service quality. 

• Partner closely with retail banking leadership to expand customer relationships and increase market share across lending and deposit products. 

• Develop and maintain relationships with existing and prospective commercial banking clients. 

• Identify, source, and originate new commercial lending opportunities. 

• Meet with customers and prospects to assess financing needs and recommend appropriate lending solutions. 

• Interview loan applicants and gather financial, credit, and loan documentation. 

• Analyze financial statements, cash flow, collateral, and repayment capacity to evaluate creditworthiness. 

• Structure commercial lending solutions, including commercial real estate loans, construction financing, equipment loans, and asset-based lines of credit. 

• Prepare credit presentations and loan proposals in partnership with the credit department. 

• Coordinate with internal teams, attorneys, title companies, and third-party vendors to complete due diligence and facilitate timely loan closings. 

• Monitor and manage an assigned commercial loan portfolio to ensure ongoing credit quality and customer satisfaction. 

• Maintain accurate client records and relationship information. 

• Ensure compliance with all applicable federal, state, and bank lending regulations and policies. 

• Perform additional duties and special projects as assigned. 

Qualifications

• 7+ years of experience producing and managing commercial loans in a banking environment. 

• Strong commercial lending production and relationship management experience. 

• Thorough knowledge of financial statement analysis, cash flow analysis, and commercial credit underwriting. 

• Experience with commercial lending products, including: 

• Asset-based lines of credit 

• Equipment financing 

• Commercial real estate loans 

• Construction lending 

• Experience using commercial underwriting and financial spreading platforms such as Moody's, Sageworks, nCino, or similar systems. 

• Strong business development and client relationship management skills. 

• Excellent verbal and written communication skills. 

• Strong organizational, time management, and prioritization abilities. 

• Ability to effectively lead initiatives while maintaining individual production responsibilities. 

Preferred Qualifications 

• 3+ years of lending team leadership, mentorship, or management experience. 

• Bachelor's degree in Finance, Business, Accounting, Economics, or a related field. 

• Experience developing branch growth strategies, production goals, and forecasts. 

• Experience presenting credit recommendations to loan committees and executive leadership. 

• Knowledge of the Sandy/Salt Lake commercial banking market. 

• Familiarity with regulatory expectations, commercial credit risk management, and portfolio administration. 

Benefits 

• Competitive salary and performance-based bonus opportunities 

• Comprehensive medical, dental, and vision insurance 

• 401(k) plan with employer matching contributions 

• Generous paid time off and company holidays 

• Professional development, continuing education, and training opportunities 

• Employee wellness programs and additional workplace perks