Position Purpose To develop a portfolio of commercial real estate loans and small business loans with a goal of achieving full banking relationships. To actively participate in civic community and professional activities as a means of business development and to enhance the Banks position in the market area.
Essential Duties Business development participation in call program and community involvement to increase the Banks market share. Identify banking needs of customers and/or prospects, recommend appropriate products/structures, and gather necessary financial information needed if a credit decision is required.
Dependent upon the size of the credit and/or relationship, compile and analyze financial data to include cash flow, collateral, peer group, and industry analyses. Approve or disapprove loans within established credit limits, establish appropriate interest rates based on pricing models, and close all loans, non-real estate secured loans.
Participate in the collection process as needed, recommending courses of action, such as legal action, repossession of collateral, loan restructuring, etc. Maintain current knowledge of laws, regulations, and banking industry changes for compliance.
Training Analyzing Industry, Business & Management Risks Training as scheduled Analyzing Personal Financial Statements and Tax Returns Training as scheduled Cash Flow Analysis Training as scheduled Commercial Loan Documentation Training as scheduled Loan Structuring Training as scheduled Real Estate Fundamental for Commercial Lenders Training as scheduled Commercial Lending Schools ECU Training as scheduled Bank Secrecy Act, Privacy Act Other compliance training as assigned
Communication Communicate clearly and concisely to all Bank employees and customers, emphasizing the need for trusting relationships and understanding. Communication methods include contact and document management software, call reports, and sales meetings.
Supervisory Responsibility Co-supervise a Commercial Loan Administrative Assistant
Knowledge/Skills College degree in Business Administration and/or preferably Finance Experience in lending and collection activities with a thorough understanding of compliance and regulatory issues pertaining to all facets of the loan area Ability to effectively communicate both verbally and in writing Bank policies and procedures to employees and other Bank departments as required, and to actively promote the Bank to generate new business and to project a positive Bank image within the local community Interpersonal skills to generate new and strengthen existing customer relationships Ability to effectively manage administrative staff members
Working Conditions Job requirements and management of customer relationships will dictate time schedules. Business development training sessions, civic involvement, and community activities will demand close to 50% of the time being spent outside of the Bank. Vehicle transportation is essential for the performance of these duties as well as to properly service existing relationships.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed under the knowledge/skills section are representative of the knowledge, skill set, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.