Commercial Lease Banking Officer

POSITION SUMMARY:

The individual in this position will be responsible for establishing necessary business systems to support origination of commercial equipment lease and loan transactions. They will continue to be responsible for the management and growth of this portfolio. This individual must originate commercial equipment leases as well as be an experienced portfolio manager with extensive pricing, negotiation and equipment remarketing skills. Will conduct relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Design and implement plan for a commercial equipment leasing product and service.
• Actively market lease services to existing and prospective customers.
• Responsible for the maintenance and growth of portfolio as determined by senior management.
• Coordinate, prepare and execute lease transactions.
• Analyze transactions and portfolio for financial soundness and potential risk.
• Work with existing customers to maximize leasing/service opportunities.
• Build partnerships that strengthen other business unit relationships.
• Provide production reports to senior management as requested.
• Consistently meet the expectations defined in Central Bank’s six standards of Living Legendary.

ADDITIONAL DUTIES AND RESPONSIBILITIES:

• Assist others as needed.
• May be assigned other duties and responsibilities. May be assigned work or training at other assigned locations.

Qualifications:

POSITION REQUIREMENTS:

• Bachelor’s degree or equivalent combination of education, training and experience that provides the required knowledge, skills, and abilities.
• Five or more years credit origination and analysis experience with detailed knowledge of bank leasing and lending procedures and policies, lending regulations (state and federal), lien laws, collection/bankruptcy regulations, and loan documentation.
• Previous experience with structuring and negotiating commercial equipment lease agreements including both operating and capital leases.
• Previous experience or extensive knowledge of commercial equipment leasing documentation, residual setting, equipment remarketing, lease servicing and tax administration.
• History of success related to negotiation and sales skills.
• Experience with sales presentations.
• Strong ability to analyze financial statements and credit risk.
• Possess good judgment skills. Ability to make critical decisions independently, research and solve problems, work independently, handle confidential information, and manage multiple tasks.
• Highly motivated self-starter.
• Thorough knowledge of bank products and services.
• Ability to read, write, and speak English.
• Excellent verbal, listening and communication skills. Strong customer relations skills and ability to work with employees and customers in a cooperative manner. Ability and desire to work as part of a team, and with people of diverse backgrounds.
• Strong organizational skills and attention to detail.
• Ability and desire to represent Central Bank of St. Louis in the community.
• Willingness to assume additional responsibilities/duties/projects as they arise.
• Ability to operate office equipment including PC’s, calculators, telephones, voice mail, copy and fax machines.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• Ability to drive a vehicle. Must maintain a current, valid driver’s license and an acceptable driving record for bank insurance purposes.