Chief Lending Officer

Position Summary The Chief Lending Officer (CLO) is a senior executive responsible for the strategic leadership, growth, and quality of the bank's entire loan portfolio. Reporting directly to the President & CEO and serving on the bank's executive leadership team, the CLO leads all lending lines of business — commercial, commercial real estate, residential mortgage, consumer, agricultural, and SBA — and is accountable for credit policy, underwriting standards, loan production, asset quality, regulatory compliance, and the performance of the lending team. The CLO will act as a primary steward of the bank's credit culture, balancing prudent risk management with disciplined growth in a competitive community-banking market. The role requires a hands-on leader who can originate and structure complex credits, mentor a high-performing lending team, and represent the bank in the Coshocton County community and surrounding Ohio markets. Key ResponsibilitiesStrategic Leadership Lending Strategy — Develop, recommend, and execute the bank's annual and multi-year lending strategy in alignment with the strategic plan, target markets, and earnings objectives approved by the Board of Directors. Executive Team Participation — Serve as a member of the executive leadership team (ALCO, Senior Management Committee), contributing to enterprise-level decisions on capital, liquidity, interest-rate risk, and budgeting. Board Reporting — Present monthly and quarterly lending and credit-quality reports to the Board of Directors and Loan Committee, including portfolio composition, concentration metrics, classified-asset trends, ALLL/CECL adequacy, and pipeline activity. Budget Ownership — Build and manage the lending function's annual budget, including loan-growth targets, fee income, staffing, technology, and operating expense. Credit Risk & Portfolio Management Credit Policy — Own the bank's loan policy and underwriting standards; recommend periodic updates to the Loan Committee and Board to reflect market conditions, regulatory expectations, and risk appetite. Loan Committee — Chair the internal Loan Committee; approve credits within delegated authority and prepare recommendations for Officer/Director Loan Committee or Board approval as applicable. Portfolio Oversight — Monitor portfolio mix, concentration limits (CRE, ADC, industry, borrower), risk ratings, and migration trends; lead remediation actions where warranted. Asset Quality — Oversee problem-loan workouts, classified and criticized assets, OREO, charge-offs, recoveries, and the special-assets function; coordinate with legal counsel on collection and foreclosure matters. Allowance Methodology — Partner with the CFO and Controller on the bank's CECL allowance methodology, qualitative factor support, and quarterly allowance analysis. Loan Review — Coordinate with internal and independent loan review; serve as primary management contact for FDIC, ODFI, and external safety-and-soundness examinations of the loan portfolio. Business Development & Loan Production Origination Leadership — Drive loan production across commercial, CRE, residential mortgage, consumer, agricultural, and SBA lines to meet annual growth and profitability targets. Pipeline Management — Maintain a robust, well-documented loan pipeline; ensure timely turn times from application through funding while preserving credit discipline. Customer Relationships — Personally manage a portfolio of significant commercial and CRE relationships; serve as a senior banker to the bank's most important borrowers. Community Engagement — Represent HLSB through visible participation in chambers of commerce, economic development organizations, civic boards, and community events across Coshocton, Tuscarawas, Muskingum, Holmes, and surrounding counties. Pricing & Structure — Set loan pricing guidelines in coordination with ALCO; ensure deals are structured to achieve risk-adjusted return targets. Team Leadership & Talent Development Direct Management — Recruit, lead, develop, and retain a high-performing lending team, including commercial lenders, mortgage originators, credit analysts, and loan operations staff. Coaching & Performance — Establish individual production goals, credit-quality expectations, and behavioral standards; conduct regular one-on-ones and formal performance reviews. Succession Planning — Identify and develop internal successors for key lending positions; partner with HR on training, certifications, and career pathing. Credit Culture — Reinforce a strong, disciplined credit culture across the organization through training, mentoring, and consistent decision-making. Regulatory Compliance & Risk Management Regulatory Knowledge — Maintain expert working knowledge of FDIC, Ohio Division of Financial Institutions (ODFI), CFPB, and other applicable regulatory requirements affecting lending. Fair Lending & CRA — Ensure full compliance with HMDA, ECOA/Regulation B, Regulation O, Regulation Z (TILA), RESPA, fair lending laws, the Community Reinvestment Act, BSA/AML, and OFAC requirements within the lending function. Audit & Examination — Serve as primary lending contact for regulatory examinations, internal audit, external loan review, and external auditors; oversee timely remediation of any findings. Policies & Procedures — Ensure lending policies, procedures, and disclosures are current, documented, and consistently applied. Operations, Technology & Process Loan Origination Systems — Champion effective use of the bank's loan origination, servicing, and document-management platforms; identify and implement process and automation improvements. Operational Efficiency — Drive measurable improvements in cycle time, exception rates, documentation accuracy, and customer experience across the lending lifecycle. Vendor Management — Oversee relationships with appraisers, title companies, environmental consultants, attorneys, credit-reporting providers, and core/LOS vendors as they relate to lending. Required Qualifications Education — Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field required. Experience — Minimum of ten (10) years of progressive lending experience in a community or regional bank, including a meaningful concentration in commercial and commercial real estate lending. Leadership — At least five (5) years of direct management experience leading a lending or credit team, with demonstrated results in loan growth and asset quality. Credit Training — Formal credit training from a recognized program (e.g., RMA, Omega, Moody's, or a major bank credit-training program) and proven underwriting expertise across cash-flow, real estate, and asset-based lending. Regulatory Acumen — Demonstrated working knowledge of safety-and-soundness and consumer-compliance regulations applicable to a state-chartered FDIC-insured institution. Technology — Proficiency with modern loan origination systems, core banking platforms, and Microsoft Office (Excel, Word, PowerPoint, Outlook). Preferred Qualifications Advanced Education — MBA, Master's in Finance, or graduate-level banking school (e.g., ABA Stonier, Graduate School of Banking at Wisconsin or

LSU, OBL

Bank Leadership Institute). Local Market Experience — Established lending relationships and market knowledge in Coshocton County and the surrounding east-central Ohio region. Specialty Lending — SBA 7(a) and 504 program experience; agricultural and ag-real-estate lending; participation lending. Workout Experience — Demonstrated experience successfully working out classified and non-accrual credits, including OREO disposition. Board Exposure — Prior experience preparing materials for and presenting to a bank Board of Directors or Loan Committee. Core Competencies Credit Judgment — Sound, consistent, and well-documented credit decision-making, even under time pressure or competitive deal dynamics. Strategic Thinking — Ability to translate market opportunities and risks into a coherent multi-year lending plan. Leadership Presence — Credible, approachable leader who earns the trust of staff, peers, customers, examiners, and the Board. Communication — Strong written and verbal communication skills, including the ability to explain complex credits and portfolio dynamics to non-credit audiences. Integrity — Uncompromising ethical standards consistent with the bank's fiduciary obligations and community standing. Execution — Bias for action; follows through on commitments and holds the team to the same standard. Community Orientation — Genuine commitment to the success of Coshocton County and the markets HLSB serves. Working Conditions & Physical Requirements Primarily an office-based role at the bank's Coshocton headquarters, with regular travel within the bank's market area to call on customers, prospects, and properties. Occasional evening and weekend hours required for community events, customer meetings, and Board functions. Must be able to operate standard office equipment, communicate by telephone and video conference, and travel by automobile. Position is bondable and subject to background, credit, and fingerprint checks consistent with FDIC and bank policy requirements. Compensation & Benefits HLSB offers a competitive total-rewards package commensurate with experience and qualifications, including: Competitive base salary aligned with market data for community-bank Chief Lending Officers in Ohio. Annual incentive plan tied to loan growth, credit quality, fee income, and overall bank performance. Health, Dental and Vision insurance provided. 401(k) plan with employer match. Life and disability insurance. Generous paid time off and bank holidays. Continuing education, professional dues, and graduate-banking-school sponsorship. Officer-level loan and deposit benefits subject to Regulation O and bank policy. About The Home Loan Savings Bank The Home Loan Savings Bank is a community-focused, state-chartered savings institution headquartered in Coshocton, Ohio. For more than a century, HLSB has been a trusted financial partner to the families, farms, and businesses of Coshocton County and the surrounding region. The bank's mission is to deliver responsive, relationship-based banking that strengthens the communities it serves. Equal Opportunity Employer The Home Loan Savings Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, protected veteran status, genetic information, or any other characteristic protected by federal, state, or local law. HLSB is committed to providing reasonable accommodations to qualified individuals with disabilities throughout the application and employment process. How to Apply Qualified candidates are invited to submit a current resume, cover letter, and salary expectations to the bank's Human Resources Department. All inquiries will be handled with professional discretion. Acknowledgment This job description is intended to describe the general nature and level of work being performed by the individual assigned to this position. It is not intended to be an exhaustive list of all responsibilities, duties, and skills required. Duties, responsibilities, and activities may change at any time, with or without notice, at the discretion of bank management.

Pay:

$100,000.00 - $150,000.00 per year

Benefits:

401(k) 401(k) matching Dental insurance Health insurance Health savings account Life insurance Paid time off Vision insurance

Work Location:

In person