Position Description:
Responsible for managing and growing profitable commercial banking relationships. Proactively meets with existing and prospective commercial customers. Provides timely and accurate lending and other banking solutions. Developed financial analysis skills to analyze complex credit requests in credit, cash flow, collateral, management, guarantors, and other risks to repayment. Responsible for leading, delegating, and supporting a team to effectively manage a loan portfolio of approximately $60MM to $80MM or approximately 100 to 150 commercial lending relationships.
Position Responsibilities: Structure financing solutions for a wide variety of commercial and ag businesses. Grow a loan portfolio that is primarily CDFI focused. Negotiate fair terms for new and existing lending requests. Drive the loan origination system to provide timely customer experience. Manage all aspects of a portfolio including past dues, renewals, ticklers, covenant monitoring, risk rating identification, and new loan pipeline Communicate effectively between internal and external customers Provide leadership in the bank, in local civic and nonprofit organizations; to improve themselves, their co-workers, and their community. SECONDARY DUTIES
Celebrates the success of the team over individual success
Upholds values over individual success Works effectively in a team environment Effective organizational, multi-tasking and prioritizing skills all within a sense of urgency Minimum Qualifications: Required Qualifications -
3 years of commercial/AG experience in one or a combination of portfolio management, commercial/AG lender, senior level credit analysis
Proven track record of meeting or exceeding sales goals
Proven track record of upholding values and strong moral character
Desired Qualifications - A BS/BA degree or higher in Business Administration, economics, accounting, finance or other business related field.
Formal credit training
Experience in Sales
Physical Demands and Work Environment:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.
Regularly required to talk or hear; frequently required to use hands or fingers, handle or feel objects tools or controls. Occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. Must occasionally lift and/or move up to 20 pounds. Specific vision abilities required include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually loud. Depending on location and time of year, extreme high and low temperatures within the building will be experienced.
Additional Information:
BSA Requirements:
It is the responsibility of all employees to make all reasonable efforts to identify suspicious cash activity which may be associated with customer attempts to avoid the reporting requirements of the BSA or government or federal tax reporting, as well as potential money laundering resulting from criminal / illegal activities. All suspicious activity, regardless of the amount involved in the transaction, must be reported to a supervisor or Branch Manager for further investigation and possible reporting by the Bank Secrecy Officer to the Financial Crimes Enforcement Network (FinCEN).
No director, officer, employee, or agent who reports a suspicious transaction under the requirements of the BSA may notify any person involved in the transaction that the transaction has been reported.
Each employee of the bank shall be required to complete Bank Secrecy Act / Suspicious Activity training periodically which is commensurate with the duties of their position.