Description

SUMMARY

Works in conjunction with Commercial team, to include credit analysis function, commercial loan

assistant(s), designated commercial loan officer(s) and general bank-wide commercial lending

efforts with emphasis on developing profitable new business through prospects and existing bank

customers. Current relationship focus is to retain and expand depth of relationships. Seek new

relationships through calls, visits, and networking. Assists in growth of commercial lending

portfolio to support the goals of the institution as stated and assigned.

Typical Schedule

Full-time; Minimum of 40 hours per week required. Position does allow some flexibility to work

remote as approved by SVP Commercial Lender and/or Chief Credit Officer (CCO), upon considering

staffing needs, weather, meetings, etc.

ESSENTIAL FUNCTIONS

• Works closely with a team of loan officers and support staff in structuring, underwriting, and

closing commercial loans;

• Develops new Business Relationships via various methods, to grow loan portfolio and achieve bank

wide loan goals;

• Offers suggestions to SVP Commercial Lender and/or Chief Credit Officer in implementing loan and

credit risk policies and procedures;

• Provides reviews, identifications, and analyses of credit risks for Quarterly Loan Review

Committee as required;

• Assists the commercial lending department with regard to maintaining compliance with all

commercial and bank policies, compliance laws, and regulations;

• Assists SVP Commercial Lender and/or CCO in gathering/preparing documents for audits/exams, as

well as making corrections to processes when required;

• -Works with SVP Commercial Lender, CFO, and CCO to develop commercial loan pricing models to

insure profitable loans;

• Responsible for ensuring that credit limits do not exceed certain amounts on any one

account;

• Manage portfolio of larger, more complex commercial relationships;

• Evaluate and make credit decisions on commercial loan opportunities, both with direct

relationships and those managed by line lenders;

• Must have in-depth knowledge of current and approved methodologies of risk measurement;

• Presents loans at weekly MLRG meetings, and presents larger commercial loan opportunities to

Board of Directors with recommendation for action to be taken;

• -Works with the Credit Analysts and Commercial Loan Assistant function to ensure proper and

consistent underwriting and documentation of commercial credit;

• Works with SVP Commercial Lender and/or CCO to develop and execute loan portfolio strategies,

monitor the performance of loans, and work to mitigate risks;

• Works in conjunction with SVP Commercial Lender and/or CCO to establish and maintain

relationships with participation networks and identify opportunities for loan sales;

• Responsible to develop customer and referral networks;

• Assist with and, when situations warrants, lead efforts to manage/collect commercial work-out

loan situations;

• Assist line lenders with smaller or less complex commercial loan relationships – meeting with

customers, reviewing loan documentation, developing strategy, etc;

• Travel to customer sites for meetings, construction/collateral inspections, loan closings, etc.

as needed;

• Serve as a representative of the Northumberland National Bank to the community;

• Courtesy, tact, and diplomacy are essential elements of the job;

• Participate in and/or complete all necessary bank training;

• Required to maintain the strictness of confidentiality in all matters;

• Continued professional development.

• Comply with all company policies and procedures;

• Other administrative duties as assigned.

Requirements

COMPETENCIES

• Excellent time management, judgment, decision-making and critical thinking skills with a strong

attention to detail;

• Exceptional communication skills with an enhanced social perceptiveness and a service-oriented

disposition;

• Strong leadership and coaching skills;

• Strong business acumen;

• Knowledge of computer software programs (e.g., Outlook, Excel, Power Point, Word);

• Ability to maintain confidentiality with sensitive information and issues relating to the bank’s

customers, policies, and personnel;

• Knowledge of principles and processes for providing customer and personal services including

customer needs assessment, and meeting quality standards for services;

• Knowledge of administrative and clerical procedures and systems such as word processing,

managing files and records, designing forms, and other office procedures;

• Knowledge of business and management principles involved in strategic planning, resource

allocation, human resources modeling, leadership technique, production methods, and coordination of

people and resources

REQUIRED EDUCATION & EXPERIENCE

• Undergraduate degree in Business Administration, Accounting, or Finance;

• Minimum 10 years combined experience in banking/lending/general business.

CERTIFICATIONS/LICENSES

• Valid PA driver’s license.

TRAVEL REQUIREMENTS

• Routine local, regional and national travel to meet with customers, shareholders, regulators and attend various industry related events and trainings.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee:

• The role performs repetitive motions;

• Occasionally moves about inside office;

• Frequently positions self to remove and place files in and out of filing cabinets;

• Must be able to frequently remain in a stationary position;

• Must be able to achieve and maintain clarity of vision at approximately 20 inches or less 90% of the time;

• Constantly operate a computer and other office productivity machinery such as a calculator, copy machine, office machinery, etc;

• Frequently communicates with other employees, customers and the community at large and must be able to exchange accurate information in these situations;

• Seldom required to move/position no more than 10 pounds;

• Regular, predictable attendance is required.

WORK ENVIRONMENT

Work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• This position is generally subject to inside environmental conditions having the lighting and temperature of an open floor-plan office environment;

• Moderate to low noise associated with an open office work environment;

• May be exposed to potential risk and hazards associated with criminal activity (e.g., robbery and/or attempted robbery, fraud, security) and receives detailed instruction to minimize risk;

• Work requires regular attendance, punctuality and adherence to agreed-upon schedule. May be required to work Saturdays and/or extended hours, as needed.

The Northumberland National Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, NNB complies with applicable state and local laws governing nondiscrimination in employment. This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.