Market President

Organization: Community National Bank was founded in 1984 by a group of individuals in Nemaha County, Kansas with diverse local ownership with decisions made on a local level.

Position mission:

The Market President (MP) is responsible for all key performance indicators for their Market and guidance of the Bank’s activities to assure short and long-term profitability. As a senior leader, the MP assists in developing objectives and business goals for their respective market to support the banks overall strategic plan. 

The MP is responsible for sustained business growth and meeting of profitability targets. The MP is expected to set a strong leadership example in representing the bank’s value system and cultivate meaningful employee engagement that results in growth and development opportunities for the team.

Major Duties:

• Represent the bank throughout the region in a manner aligned with the bank’s aspiration to be the financial institution of choice and recognized as a top business leader in all our markets.
• Responsible for guiding sales and business development efforts in the region; sales management efforts should include focus on loan growth, deposit growth, non-interest income growth and cross-functional referral activity to support all business objectives of the bank.
  • Making loans and driving loan production
  • Driving profitability of the Office Location
  • Developing and managing leadership, cohesiveness of team, Advisory Board and loan production.
  • Manage loan portfolio including renewals, modifications, updated credit analysis, collections, collection of required ongoing documentation, annual financial reviews and portfolio monitoring through effective pipeline management
• Accountable for overall profitability of all markets making up the region; includes accountability for pricing disciplines, net interest margin management, optimization of non-interest income, and operating efficiency within defined bank targets.
• Responsible for overall asset quality for the region, as the senior Commercial Lending Officer, you are accountable for maintaining safety & soundness within defined risk parameters and credit culture expectations for the bank.
• Responsible for representing the bank’s culture of responsibility throughout the region with an emphasis on communication; cultivation of engagement & teamwork; consistent performance management; and ongoing professional growth and development.
• Meets or exceeds annual goals as pre-established that are aligned with the strategic plan.
• Retains key senior team members, minimizing unwanted turnover.
• Direct reports will include Lending Officers and others as appropriate for the variety of markets in the region; responsible to and for those direct reports and making sure they are held accountable for their performance.
•  Embodies the standard for exceptional customer experience, as defined in the bank’s long-range strategic plan and sets the tone of this standard throughout the region; this includes ownership of customer experience.
• Has an acute familiarity with the most profitable customer relationships in the market defined for the region and supports bankers throughout the region in business development and customer retention activities.
• Tasked with full responsibility for cultivating high level of engagement of members of Local Advisory Boards of Directors as ambassadors for the bank in our communities; works with all region employees to ensure advisory board member performance is consistent with our expectations for advisors to be strong source of community influence and engagement in the markets and a source of new business referrals for the bank.
• Participates in strategic planning activities and embraces ownership of appropriate strategic execution priorities as assigned.
• Expected to lead by example in alignment with the bank’s mission, vision and values.
• Will adhere to compliance with laws concerning financial institutions
• The leader will be expected to keep current on trends and business conditions in the banking and market areas as assigned; remain current on changes within the legal, regulatory, economic, competitive and technology environments which may impact operations to the bank and support adaptability to change which is imminent going forward.
• This executive may be asked to complete special assignments as directed by the President or CEO.
• Compile and analyze data for commercial loan requests; Outline loan terms and conditions and inform borrowers of loan commitments; Assist borrowers by making appropriate recommendations concerning financing options and financial decisions.
• Serve as a community ambassador for the bank, offering bank products to current and existing customers.
• Provide on-going service to existing clients and branch personnel regarding loan questions and issues.
• Work with President and Loan Officers on recommendations for conditions and terms of commercial loans.
• Provide updates to the President and loan department team on progress of current commercial and consumer loan files.
• Have ability to produce and manage a loan portfolio.
• Produce quality referrals through regular calls on existing and prospective customers as well as referral sources.
• Produce board reports as assigned.
• May be asked to perform other duties as required by business needs.

General Responsibilities:

• Support CNB’s strong relationship culture through quality customer service and superior product knowledge
• Provide superior customer service by resolving problems efficiently and responding timely
• Identify and implement solutions to problems in general and urgent matters
• Actively seek to add and enhance knowledge regarding developments and current trends in the industry
• Seek counsel of supervisor on financial concerns or other issues as appropriate
• Work collaboratively with staff to maintain a team environment
• Flexible to accept additional assignments as requested by leadership
• Cross train for other positions to cover when necessary
• Professionalism while representing CNB (onsite, professional and community events and via communications)
• Participate and attend meetings as requested
• Recommend policies and procedures as it relates to area of responsibility
• Timely responses to inquiries for information to customers, staff and vendors
• Answer telephone calls and provide a prompt response
• Follow CNB’s policies and procedures
• Other duties as assigned

Qualifications:

• Bachelor’s degree in business, finance, accounting, or related field preferred
• 5 years experience working with commercial credit or lending
• 5 years experience in analyzing financial statements and tax returns required
• Requires a high degree of confidentiality
• Must have a strong analytical skills and clear understanding of general accounting and time value of money
• Ability to handle multiple priorities and deliver projections within the time guidelines
• Ability to work independently while having a strong commitment to team goals
• Strong problem-solving skills, ability to multi-task and meet deadlines
• Desire to work with public focusing on meeting customer needs
• Excellent organizational skills and high attention to detail
• Excellent verbal and written communication skills
• Extensive knowledge in MS Word and Excel required
• Able to handle stressful situations
• Excellent customer service
• Self-motivating

Physical Demands:

The physical demands described are representative to those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee must be able to stand and sit for extended lengths of time, read computer screens, talk on the phone, unpack and move supplies up to fifty (50) pounds, reach, kneel, bend, climb and balance. Vision abilities required for this job include close vision.

Work Environment:

 While performing the duties of this job, the work environment is primarily a professional, deadline driven environment with interaction of internal team members and external customers. Noise level in the work environment can be loud.

Additional Duties:

This job description is only a summary of the typical functions of this position, not an exhaustive nor all-inclusive list of all possible job responsibilities, tasks, duties, knowledge, skill and ability required to perform this job. Additional duties and responsibilities may be added to this job description at any time. The job description does not state or imply that these are the only activities to be performed by the employee(s) holding this position. Employees are required to follow any other job-related instructions and to perform any other job-related responsibilities as required.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate individuals.  Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.  However, no accommodations are made which may pose serious health or safety risks to the team member or others, or which impose undue hardships on Community National Bank.  An individual seeking an accommodation should contact the Human Resources Manager or CEO.

Job descriptions are not intended to and do not create employment contracts. Community National Bank maintains its status as an at-will employer.  Team members can be terminated at any time, for any reason not prohibited by law. Community National Bank is an equal opportunity employer.

Market President Expectations:

• Your position is a Senior Officer in the Bank and you are expected to represent the values, the culture and the service philosophy and be a shining example to all team members.
• You are responsible for the “goals of learning”  described in your offer letter, continue ongoing training, education updates, policy updates, loan production, etc.
• You are expected to be at loan committee meetings in person at your location.  Voting is restricted to Senior Officers and the Chief Credit Officer needs you there to participate.  In person participation also allows a good amount of training for less tenured officers to gain knowledge and experience from your past credit expertise as well as for us as a committee to make the best credit decisions.  You are in a position that is an integral part of our growth and success.
• You are expected to be seen in the office on a regular basis to start the day and end the day.  Officer calls are to be preplanned, documented and completed within business hours.  There are exceptions and those should be preplanned.
• Call lists are to be kept current, updated calendar should be shared with the CCO and CEO.
• You are responsible for the tone and spirit of your location.  Developing the CNB culture is imperative for morale, attitude, and relationships.
• When Retail matters need to be addressed, please do not go directly to the Retail staff.  Rather, go to the Retail Deposit Director/Officer.  It is the responsibility of the RDO to manage the customer service staff and address deficiencies so that Retail personnel issues do not absorb your time unnecessarily.
• As Market President, you are responsible for:
  • Weekly prospect log and updates
  • Reviewing builders report for updates on your customers
  • Monthly Location report for the Board package
  • Reviewing and clearing doc exception report items weekly
  • Past due customer calls to clear weekly
  • PAR’s (problem asset reports) quarterly or as needed
  • Attend Advisory board meetings
  • Attend regular board meetings as needed
  • Attend ALCO meetings as needed
  • Update the CFO on loan fundings and sources of funding monthly, or as needed.
  • Communicating to Marketing events, photos, updates to newsletters etc. as needed
  • Attending community events to represent the Bank as much as possible
  • Being a good steward of the banks expenses
  • Participate in the decision-making process of donations and commitments of placing advertisement, sponsorships etc.