What are the responsibilities and job description for the Branch President position at LEGEND BANK?
PRIMARY FUNCTION
Lead staff at individual Bank location and manage and grow profitable relationships through commercial and agricultural lending operations.
ESSENTIAL DUTIES
Directs, motivates, communicates, and leads staff; conducts meetings with employees to discuss performance including areas of improvement, new or revised policies and procedures.
Primary responsibility for Profit & Loss (P&L) condition of Bank location to include annual budgeting process.
Solicits and makes loans to commercial finance clients.
Responsible for building and maintaining relationships of commercial finance clients.
Identify and generate leads for new business opportunities; obtain and analyze information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
Evaluates the 5 C’s of Credit for each client. Character, Capacity, Capital, Conditions, Collateral.
Makes decisions on loans and terms if within own lending limits or makes recommendations to a superior.
Understands credit structures for underwriting commercial loans and adheres to Bank policies and procedures.
Analyzes client provided financial information in order to appropriately underwrite and/or present credit structures for approval for loans/relationships above and below committee level approval.
Responsible for final presentation to Loan Committee.
Monitors the quality of existing relationships, recognizes unfavorable trends, and takes corrective action.
Has primary responsibility for identifying emerging problems in his/her portfolio and brings identified problems to Managements attention immediately.
Reviews and approves DDA accounts and overdraft activity on assigned relationships.
Verifies that assigned relationships conform to loan documents and policy limits.
Confers with superiors on difficult or sensitive issues.
Calls on potential or existing customers to develop new business and increase or retain existing business.
Qualifications:
EDUCATION:
Bachelor’s Degree in Accounting, Business, Economics, or Finance required.
Graduate level work is preferred. (e.g. SWGSB)
Participate in Banking schools and webinars on commercial, agricultural, and real estate lending
RELATED WORK EXPERIENCE:
Five plus (5 ) years lending experience managing portfolio with actual lending limit.
Significant experience in budgeting, cash flow and credit analysis.
Knowledge of industry preferred
Legend Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin.
Member FDIC