Commercial Banking Team Leader (CTL)

WHO WE ARE

City First Bank N.A. is a missiondriven Community Development Financial Institution (CDFI) principally focused on a transformative impact in underserved urban markets with the highest needs to drive equitable economic development. Our credit activities are purely commercial and focused on the following segments: Multifamily Affordable Housing NotforProfit Finance and Small Business Finance. As a depository and commercial lending provider with over $1.3 billion in bank assets as of December 31 2024 our unified organization has over 100 employees in Washington DC and Los Angeles/Inglewood CA.

ROLE SUMMARY

The Commercial Banking Team Leader is responsible for the origination evaluation and structuring of complex Commercial lending loan requests and transactions in and around the assigned region. Additional responsibilities include managing the activities and assisting in the development of assigned Relationship Managers portfolio management and cross selling other Bank products and increasing the Banks visibility in the marketplace.

ESSENTIAL FUNCTIONS AND RESPONSIBILITIES

Solicits creditworthy potential and existing clients in an effort to develop new business and increase or retain existing business within the framework of the policy and procedures of the Bank. Promotes profitable growth of the loan and deposit portfolio and maximum customer responsiveness.

Oversees the preparation of loan presentations including detailed financial analysis and assessment of borrowers financial capability and credit worthiness.

Review term sheets and previews deal summary memorandums and credit packages for presentation to credit and approval and loan committee.

Assesses lending risks identify offsetting mitigants makes recommendations on loan structure displaying sound credit judgment.

Establishes and promotes customer and community relationships cross sells other Bank products and services maintains continued awareness of market conditions and competition continues education in financing products and techniques.

Manages activities and contributes to the development of assigned Relationship Managers/Portfolio Managers. Participates in joint calling efforts and business development assists in sound loan structuring and transaction analysis. Assists team in developing marketing and sales plans in order meet their production goals as set forth in the banks strategic plan.

Facilitates closing of the loan transactions with strict compliance with approved terms and conditions.

Proactively manages all aspects of assigned loan portfolio with emphasis on covenants and bank policy compliance credit quality and delinquency control.

Ability to meet personal and team annual goal.

Other duties as assigned.

EDUCATION & EXPERIENCE

Required Education/Experience:

Bachelors Degree in finance accounting or business required or 5 additional years of experience in commercial credit analysis and commercial underwriting

10 years of portfolio management business development and commercial underwriting experience

Formal or inhouse credit training

Preferred Education/Experience:

Leadership role or prior management experience.

CERTIFICATIONS

Accredited Banking School Certification in Lending or related area preferred.

KNOWLEDGE SKILLS AND ABILITIES

Required Knowledge & Skills:

Excellent Management Skills

Comprehensive loan and financial analysis experience

Comprehensive knowledge of underwriting techniques

Proven sales and new business development skills and reputable impact & performance

Excellent oral written and interpersonal communication skills with the ability to carry out instructions. Instruct others interpret documents understand procedures write reports and correspondence and speak clearly to clients customers and employees.

Knowledge and training in all lending activities

Knowledge of commercial and commercial real estate loan processing

Ability to read analyze and interpret general business periodicals professional journals and technical procedures

Proficient with credit principals and loan structuring

Knowledge of related state and federal lending and compliance regulations and other Bank lending policies.

Basic skills in personal computer operation word processing and spreadsheet software.

Ability to deal with complex problems involving multiple facets and variables in nonstandardized situations.

Ability to work without supervision while performing duties

Critical and creative thinking

Market knowledge

Negotiation skills; diplomacy

Excellent organizational and time management skills

Excellent leadership development training and time management skills