Job Details

SUMMARY:

Provide quality service to customers, primarily in the area of commercial and consumer lending. Must make sound decisions based on information obtained. Needs to fully understand the lending process and applicable rules and regulations.

ESSENTIAL FUNCTIONS:

• Position is weighted to commercial and consumer lending area, but not limited to.
• Develop commercial loan portfolios in line with annual objectives.
• Responsible for soliciting, originating, analyzing, underwriting and coordinating the closing of loans as defined by position in compliance with the Bank’s lending policies and procedures. Must be well versed in policies, procedures and processes, effectively work through difficult loans.
• Implements programs. Assists in attaining Bank goals through active participation in officer call programs.
• Must be able to effectively cross sell Bank products and generate business to further develop account relationships throughout the organization.
• Effectively serve on internal committees as assigned and external committees as determined.
• Assume and accomplish other duties as directed or self-initiated.

REQUIREMENTS:

• Position requires effective decision-making, with good interpersonal skills to work with customers, the community and employees. Must possess full knowledge of Bank lending procedures and policies, products and services, as well as knowledge of computers/programs.
• Professionalism must be exhibited and confidentiality respected at all times.

KEY CORE COMPETENCIES:

Decision Making

• Uses sound judgment to make good decisions based on information gathered and analyzed.
• Considers all pertinent facts and alternatives before deciding on the most appropriate action.
• Commits to decision.

Reliability

• Takes personal responsibility for job performance.
• Completes work in a timely and consistent manner.
• Sticks to commitments.

Problem Solving

• Analyzes problem by gathering and organizing all relevant information.
• Identifies cause and effect relationships.
• Comes up with appropriate solutions.

Planning and Organizing

• Plans and organizes tasks and work responsibilities to achieve objectives.
• Sets priorities. Schedules activities.
• Allocates and uses resources properly.

Communication

• Expresses ideas effectively.
• Organizes and delivers information appropriately.
• Listens actively.

Integrity

• Shares complete and accurate information.
• Maintains confidentiality and meets own commitments.
• Adheres to organizational policies and procedures.

REQUIRED/PREFERRED EDUCATION & EXPERIENCE:

Business or Finance Degree, 5+ years of experience with multiple loan types, loan documentation, work-out and compliance experience.