To develop a portfolio of commercial real estate loans and small business loans with a goal of achieving full banking relationships. To actively participate in civic, community and professional activities as a means of business development and to enhance the Bank’s position in the market area.
Business development, participation in call program, and community involvement to increase the Bank’s market share.
Identify banking needs of customer and/or prospect, recommend appropriate product/structure, and gather necessary financial information needed if a credit decision is required.
Dependent upon size of credit and/or relationship, compile and analyze financial data to include cash flow, collateral, peer group, and industry analyses.
Approve or disapprove loans within established credit limits, establish appropriate interest rate based on pricing model, and close all loans non-real estate secured loans.
Participate in the collection process as needed, recommending courses of action (i.e. legal action, repossession of collateral, loan restructuring, etc.)
Maintain current knowledge of laws, regulations, and banking industry changes for compliance.
Other duties as assigned
Analyzing Industry, Business & Management Risks: Training as scheduled
Analyzing Personal Financial Statements and Tax Returns: Training as scheduled
Cash Flow Analysis: Training as scheduled
Commercial Loan Documentation: Training as scheduled
Loan Structuring: Training as scheduled
Real Estate Fundamental for Commercial Lenders: Training as scheduled
Commercial Lending Schools (ECU): Training as scheduled
Bank Secrecy Act
Other compliance training as assigned
Communicate clearly and concisely to all Bank employees and customers, emphasizing the need for trusting relationships and understanding.
Communication methods to include contact and document management software, call reports, and sales meetings.
Co-Supervise a Commercial Loan Administrative Assistant
College degree in Business Administration and/or preferably Finance or a minimum of four (4) years management experience supervising a consumer or commercial loan department.
Experience in lending and collection activities with a thorough understanding of compliance and regulatory issues pertaining to all facets of the loan area.
Ability to effectively communicate, both verbally and in writing, Bank policies and procedures to employees and other Bank department as required and to actively promote the Bank to generate new business, an to project a positive Bank image within the local community.
Interpersonal skills to generate new and strengthen existing customer relationships.
Ability to effectively manage administrative staff member.
Job requirements and management of customer relationships will dictate time schedules. Business development, training sessions, civic involvement and community activities all demand close to 50% of the time being spent outside of the Bank. Vehicle transportation is essential for the performance of these duties as well as to properly service existing relationships.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed under the knowledge/skills section are representative of the knowledge, skill set, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.
See job description
About First Bank
Discover the Power in One
At First Bank, we believe there is power in one employee, one manager, one team … to make a difference for each and every person we have the privilege to serve. If you'd like to become a part of our team, we'd like to hear from you!
Thank you for your interest in joining the First Bank team.
We are seeking highly motivated, talented candidates to join our staff. If you are looking for a career opportunity, and have the required background and experience for any of our current openings, we would like the opportunity to speak with you.
Our EEO Policy
First Bank is an equal opportunity employer. We recruit, employ, train, compensate, and promote without regard to race, religion, creed, color, national origin, age, gender, sexual orientation, marital status, disability, veteran status, genetic information, or any other basis protected by applicable federal, state of local law.