Chief Banking Officer

SUMMARY: Oversee and lead all Credit and non-retail Lending divisions of the Company.  Strategically plan, communicate and execute the Company lending, and credit quality philosophy by engaging internal and external resources to grow the loan portfolio within an acceptable risk profile.  The CBO will coordinate with the CEO, CFO and other executives to establish goals, priorities, policies and processes that enable the Company to achieve expected performance levels related to lending and credit quality.  The CBO will work to coordinate the establishment of lending goals for C&I, CRE, Ag, and Mortgage Lending, along with Treasury Management.  Additionally, the CBO is responsible for setting and enforcing the over-arching credit evaluation philosophy and practice for the organization.  Included in this is the management and leadership of all Credit Support areas such as Loan Administration, Loan Document Processing, Credit Analysis, etc. As an executive, the CBO must also create and strengthen relationships with employees that provides open lines of communication to foster teamwork, trust and a supportive culture. 

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Ensure that all operational aspects of the Bank's Mortgage Lending and Underwriting activities operate in a safe and sound manner in the best interest of shareholders, the Board of Directors, customers, employees, and the public.
• Lead the Commercial lending teams of Farmers National Bank by establishing appropriate strategies, goals and expectations for various loans by type and volume
• Oversee the Company’s Treasury Management sales and operations activities.
• Ensure all Mortgage Lending operations are effectively integrated to achieve optimal outcomes for the Bank, our clients and Shareholders
• Develop and implement strategies to accommodate current and future organizational plans, programs, and needs. 
• Provide the highest level of customer relations and service
• Ensure compliance with Bank policies, procedures and processes. 
• Oversee the Mortgage Sales lines of business Meet and interact with various regulatory agencies, representatives and examiners (Federal Reserve, OCC, SEC, OTS, etc.) as necessary.
• As necessary, meet with investors and analysts to report on the current status of the Company
• Partners with Senior Leaders in Human Resources, Information Technology, Marketing, Risk Management and Audit to develop and implement effective processes/procedures, and promote a team-oriented culture throughout the Company
• Serve as a member of, or chairperson of various Sr. Management Committees as needed
• Actively promote a positive and engaged partnership with the community by sitting on community boards and/or participating in/chairing local programs, charities or meetings
• Serve as an active member of the Farmers National Bank Board of Directors
• Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money Laundering procedures.  Maintain compliance with all appropriate rules and regulations.
• Regular, predictable attendance is an essential requirement of this position.
• Completes all other duties as assigned

SUPERVISORY RESPONSIBILITIES:

Responsible for the overall direction, coordination, and evaluation of the Commercial and Mortgage departments.  Expected to coach, train and evaluate department leaders in both informal and formal settings.  Carry out supervisory responsibilities in accordance with the Bank’s policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; coach, train and evaluate department employees; addressing complaints and resolving problems.

EDUCATION AND/OR EXPERIENCE:

• Bachelor’s degree from an accredited four (4) year college or university in Business Administration or a related field
• Minimum of fifteen (15) years financial executive leadership experience; extensive experience in mortgage lending and Treasury Management highly preferred and/ or equivalent combination of education and experience
• Must have a minimum of ten (10) years supervisory experience; managing multiple departments efficiently
• Must have excellent verbal and written communication skills
• Must have full knowledge of current banking regulations with regard to credit risk, general knowledge of all areas of banking operations, bank finance and risk management
• Strong knowledge of credit policies and lending practices
• Must possess excellent computer skills and knowledge; Proficient in Word, Excel, Internet navigation/research, and Outlook is expected
• Must be able to travel on an as-needed basis