Commercial Lending, VP

VP - Commercial Lender

Department: Lending

Reports to: SVP/Chief Lending Officer

Schedule: Hybrid (2 days in-office, 3 days remote)

Salary: $100,000 - $160,000 (excluding incentive compensation)

Carver Bancorp, Inc. (NASDAQ: CARV) is the holding company for Carver Federal Savings Bank, a federally chartered institution with approximately $610 million in assets and 110 employees. The bank was chartered in 1948 to serve middle‑income and underserved communities in New York City, with seven full‑service branches in Brooklyn, Queens, and Manhattan. It provides commercial real‑estate and small‑business loans along with a range of complementary banking products and services.

Responsible for the business development and retention of commercial client relationships. Solicits new business relationships through a network of centers of influence and existing contacts, and manages the growth of the existing portfolio of commercial relationships.

• Provide relationship‑management support to high‑deposit clients.
• Present financial solutions such as cash management to clients.
• Business development of new commercial client relationships.
• Source commercial loans ranging from $500 k to $5 m for businesses and non‑profits with borrowing needs.
• Complete pre‑analysis of credit requests to ensure appropriate structure and compose comprehensive loan application packages for underwriting.
• Collaborate with other Carver businesses to ensure ongoing communication that supports overall client and franchise objectives.
• Ensure compliance with all regulatory, legal, and governmental regulations.
• Ensure accurate, complete, and timely preparation of reports and statistics for senior management.
• Maintain the total relationship with all business clients, including non‑borrowing commercial clients.
• Engage in civic, government, professional, business, and community affairs to solicit new business.
• Interpret and communicate the bank’s policies, programs, and objectives.
• Assist in preparing annual client reviews as required, in conjunction with portfolio management.
• Work with branches and other internal referral sources to generate pipeline.
• Achieve annual goals for lending and new deposit production.

• Proven leadership ability and relationship sourcing with excellent interpersonal communication skills.
• Excellent consultative selling skills to acquire and manage new banking relationships.
• Sharp business‑development focus and demonstrative innovative approaches.
• Self‑starter who demonstrates by getting out into the marketplace.
• Superior organizational skills.
• Strong ability to make sound decisions with a high level of accuracy and problem‑solving skills.

• Experience covering clients in the NY tri‑state area with revenues of $1 m‑$50 m is required.
• At least 7‑10 years of experience in a small‑business lending and community‑banking environment.
• Formal commercial credit training with expertise in C&I and CRE products and uses.
• A degree in business, accounting, finance, or a related field is required.
• Successful completion of a formal bank‑credit training program is preferred.
• SBA 7A and 504 experience desirable.
• Prior experience managing, maintaining, and growing portfolios in a bank or related setting.
• In‑depth knowledge of all aspects of small‑business banking and an ability to learn new products and services quickly.
• Ability to offer sophisticated financial solutions and services while emphasizing the local feel of a community bank.
• Proven ability to profile client needs, make appropriate inquiries, and understand client credit needs.
• Knowledge of loan‑closing documents and of banking operations, systems, compliance, and regulatory issues.
• Excellent written, verbal, and presentation skills.

Carver Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity, or any other protected class.