Charleston Market Executive

Essential Responsibilities:

• Provides enthusiastic, professional leadership to assigned lenders and staff.
• Ensure that service delivery is consistent, expedient, accurate, professional and courteous.
• Establishes individual, sales and service goals for Branch and Commercial Bankers.
• Develops new deposit relationships with growth of overall bank deposits as the goal.
• Solicits, originates, underwrites, and approves/declines Small Business and Commercial loans, ensuring:
  • Sound credit decisions aligned with Bank lending policies
  • Thorough credit analysis to meet member needs and protect asset quality
  • Compliance with all applicable laws and regulations
  • Accurate and complete loan documentation
  • Fair and risk-appropriate pricing in accordance with Bank policy
• Develops business through an active calling program by setting goals, identifying target loan prospects, collaborating with branch staff on referrals, and connecting members with appropriate Bank service specialists.
• Proactively manages and services assigned loan portfolios to reduce delinquencies and documentation exceptions by collecting past-due loans, coordinating workout resolutions with Credit Administration, and ensuring timely renewals through early financial review and maturity planning.
• Oversee sales and service management by leading staff meetings, resolving member issues, promoting cross-sales, and coaching staff to achieve sales and service goals.
• Maintains an active role in the Bank’s annual budget planning process through the development of yearly market budget.
• Holds managerial authority for hiring, performance management, coaching, and recommending pay, promotions, and terminations.
• Participates in civic and professional activities to enhance the bank’s visibility in the community.
• Promotes favorable image of the Bank in all business activities within the community.
• Stays abreast of regulatory guidelines pertaining to lending.
• Manages branch delivery channels: Branch loan applications, deposit opening/servicing to ensure service levels are maintained or exceeded.
• Responsible for cross-selling deposit relationships to loan members.
• Stays informed of and uses/enforces Bank policies and procedures.
• Adheres to applicable federal laws, rules, and regulations including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA).
• Other duties as assigned.

Minimum Required Skills & Competencies:

• A bachelor’s degree or equivalent experience in the financial industry.
• A minimum of five years’ banking experience originating and underwriting commercial and small business loans is required.
• Knowledge of commercial loans and loan documentation.
• A strong understanding of credit underwriting, accounting and financial analysis.
• Experience leading a team of commercial lenders.
• Proven ability to recognize and focus on critical sales and service delivery issues and to balance and respond to competing role and organizational needs.
• Experience in credit policy, analysis, and regulatory practice.
• Utilizes outside training opportunities to expand knowledge and experience of the credit function.

Desired Skills & Competencies:

• Utilizes outside training opportunities to expand knowledge and experience of the credit function.
• Thorough working knowledge of the Bank’s lending policy.
• Knowledge of applicable lending laws and regulations is essential.
• Knowledge of the local community: Industries, economic base, culture, key leaders, competitors, etc.
• The ability to schedule, prepare for and conduct professional and business development calls on members and prospects is essential.
• Must have the ability to analyze commercial and small business financials and tax returns and to underwrite, document and approve or decline loan requests.
• Demonstrate sales and service leadership capabilities with strong sales management and coaching skills.
• Strong verbal and written communication skills.
• Demonstrates the ability to act independently while adhering to Bank policy and authority limits.
• Superior negotiation skills and the ability to communicate effectively across a broad base of internal and external members.
• Demonstrate proficiency in bank computer systems and related technologies, including word-processing, spreadsheet applications, internet platforms, and internal software tools.
• Should be able to manage multiple responsibilities simultaneously and accurately.
• Strong sales and organizational skills

Physical Requirements:

• Express or exchange ideas by means of the spoken word via email and verbally.
• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time.
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation.
• Not substantially exposed to adverse environmental conditions.
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential responsibilities