Primarily manages and develops credit relationships with individuals and small businesses seeking a variety of secured and unsecured loans, including commercial and real estate. Portfolio consists of smaller commercial loan accounts, mostly under $500,000.
Makes decisions within prescribed guidelines. May assist higher level Commercial Lender with more complex loan relationships and opportunities to gain knowledge and experience. Will work in conjunction with the Bank's retail branches and business partners to receive lending referrals. Refers loans over the threshold to other commercial lenders. Responsible for the overall profitability and quality of their loan portfolio with acceptable risk.
Familiarity with the SBA lending program. Ensures adherence to established bank loan procedures, practices and reporting requirements. Responsible for sales development and referral activities including sales training and activities. Creates a teamwork environment to ensure that quality service is provided, and sales/business development goals are met. Conducts relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.
ESSENTIAL DUTIES AND RESPONSIBILITIES: Interview loan applicants to develop information concerning their businesses, needs, desire, abilities and earnings to determine whether a loan may be an acceptable risk. Evaluate the financial condition of the client, the value of pledged collateral, and the client's management effectiveness and competency. Make decision on loans and terms if within own lending limits. Refer loans over loan authority to other designated commercial lenders or the Director of Commercial Lending. Monitor quality of existing accounts by verifying that assigned accounts conform to contract and policy limits. Ensure that necessary documentation is completed and request additional data as needed. Recognize unfavorable trends and recommend corrective action.
Confer with Chief Credit Officer and Director of Commercial Lending on difficult or sensitive issues. Coordinate loan activities with appropriate departments. Responsible for the attainment of loan objectives to include origination, outstanding, delinquency, charge-off, fee income, interest income, and return on assets. Actively participate in sales program; attend appropriate sales training; utilize sales program initiatives. Make referrals to other business units for traditional and non-traditional banking products and services.
Under the direction of Sr. Commercial Lender and CEO establish daily, weekly, monthly, and quarterly business development, sales and referral goals. Develop a marketing plan utilizing effective sales techniques that will generate additional new commercial loans. Maintain personal accountability for sales and service standards and for meeting business development, sales and referral goals.
Identify opportunities to deepen our relationship with customers that have a minimal relationship but offer upside potential and aggressively sell to this customer base. Identify clients who are not profitable and aggressively manage the relationship to be a more profitable one. Actively call on new and prospective customers, exploring needs and cross-selling and recommending bank products and services that are in the best interest of the customer and that achieve their financial objectives. Actively profile customers to ensure a strong understanding of the total customer financial picture.
Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures (i.e., CRA, Fair Lending, etc.) evidenced by appropriate application of these regulations in day-to-day operations. Demonstrate the highest level of professionalism, efficiency and customer service when resolving the most difficult customer issues. Understand and maintain a thorough knowledge of Central Bank of the Ozarks Market services, operations, and organization; communicate this understanding to others when appropriate and refer inquiries and correspondence to the proper department or individual. Complete or attend all required training.
ADDITIONAL DUTIES AND RESPONSIBILITIES: Assist others as needed. May be assigned other duties and responsibilities. May be assigned work or training at other assigned locations.
Requirements:
Bachelor's degree; or equivalent combination of education, training and experience that provides the required knowledge, skills and abilities. Typically, less than three years lending experience. Knowledge of current bank lending procedures and policies, lending regulations (state and federal), lien laws, collection/bankruptcy regulations, and loan documentation preferred. Basic knowledge of commercial lending. Familiarity with the SBA lending program a plus. Ability to analyze financial statement and loan risk.
Possess good judgment skills. Ability to make decisions within prescribed guidelines, research and solve problems, work independently, handle confidential information and manage multiple tasks.
Thorough knowledge of bank products and services. Demonstrated skill in soliciting business for bank deposit products and loan services. Ability to identify client needs, present banking solutions and bank products. Ability to recognize closing opportunities and retain and grow customer relationships.
Ability to read, write, and speak English. Excellent verbal, listening and communication skills. Strong customer relations skills and ability to work with employees and customers in a cooperative manner. Ability and desire to work as part of a team, and with people of diverse backgrounds. Strong organizational skills and attention to detail.
Ability and desire to represent Central Bank of Warrensburg Market in the community. Willingness to assume additional responsibilities, duties, and projects as they arise. Ability to operate office equipment including PC's, calculators, telephones, voicemail, and copy/printer/fax machines. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Ability to drive a vehicle. Must maintain a current, valid driver's license and an acceptable driving record for bank insurance purposes.
This position requires registration with the National Mortgage Licensing System and Registry, (NMLS), as created under the S.A.F.E. Act. The registration process can be found at the NMLS Resource Center located at http://mortgage.nationwidelicensingsystem.org
PHYSICAL AND SENSORY DEMANDS: Regularly required to sit; stand; walk; talk; see and hear. Regularly required to use hands to finger, handle, or feel objects, tools, or controls and reach with hands and arms. Occasionally required to stoop, kneel, or crouch. Regularly required to drive. Frequently lift and/or move up to 20 pounds. Specific vision abilities include close vision.
WORKING CONDITIONS: Work is normally performed in a typical interior/office work environment. The individual experiences little discomfort from noise, dust or other factors.