| Grow with us. If you are interested in growing your career within the financial industry, don’t miss this once in a lifetime opportunity. When you work at Hickory Point Bank & Trust you’re surrounded by people who are innovative, creative and empowered to do what’s right for customers, and we’re seeking the right professional to join us. We are looking for a talented individual to be part of our Commercial Banking Team. The Commercial Banking Relationship Manager (“RM”) is responsible for managing an existing portfolio of client relationships, working with business owners and real estate professionals to help them achieve their financial objectives and grow their businesses. Through proactive account management and excellent customer service, the RM is expected to nurture and deepen existing client relationships and help to grow the bank’s commercial loan and deposit balances in the Decatur, Illinois market through proactive customer contact, client referrals, and cross-selling. The RM would have designated lending authority commensurate with his or her qualifications and experience. The RM would work independently and in collaboration with other bank colleagues, including treasury management professionals and personnel from other divisions to deliver the products and services offered by the bank. Essential Job Duties: Responsibilities include: - Managing and administering a portfolio of loans; also serving as a central point of contact for lending customers’ treasury management and other banking needs
- Developing new business by calling on businesses, accountants, attorneys, and other centers of influence in the community (either remotely via Zoom/MS Teams or in-person, as safe and appropriate)
- Handling loan requests, taking loan applications and interfacing with the customer/applicant to facilitate a complete loan application
- Performing (with the assistance of the Credit Department, as applicable) preliminary analyses and structuring of loan requests and recommending an appropriate response (i.e. approval, decline, counterproposal, etc.) for consideration by the appropriate individuals based on loan authority; discussing the credit decision with the applicant/customer
- Maintaining excellent credit quality through careful monitoring of existing loans, tracking receipt of timely financial information, and verifying compliance with financial covenants; monitoring loan grades based on customer financial performance as well as industry and other considerations
- Participating actively in community organizations and being visible at community events (this expectation would be adjusted for remote-only candidates)
- Assisting other bankers with loan closings, loan administration, and special projects as needed
Conduct all duties in compliance with applicable laws, regulations, and Bank policies and procedures. Knowledge, Skills, and Abilities: - Comprehensive knowledge of commercial credit analysis as well as the bank’s commercial loan and related policies.
- Be outgoing, personable, and with a heart for service.
- Attentiveness to detail and deadlines and the ability to prioritize and multi-task are critical.
Training and Experience: - A bachelor’s degree in accounting, finance, or related fields is required, and formal credit training is strongly preferred.
- Have 1-2 years of previous commercial lending experience.
Equal Opportunity Employer Disability/Veteran |
