To originate, manage, and supervise the company's portfolio of commercial loans, with the overall objective of maintaining and increasing its asset quality; to develop new and existing business relationships.
All employees are expected to actively promote Legacy Bank to existing and prospective customers in order to obtain and build the banks customer base and thereby enhance Legacy Banks growth and profitability.
Takes applications for commercial loan business. Reviews customer financial condition and assesses the customer's ability to re-pay the loan. Makes underwriting decisions within approval authority. Completes or directs completion of all loan documents and closes loans.
Participates in developing lending and deposit business for the company. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the company's client base. Assists customers with any loan-related questions and concerns.
Collects delinquent accounts in a timely manner within the Bank's procedures/processes. Develops/negotiates revised loan repayment terms/schedules as necessary.
Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentatio
Works in tandem with Credit Administration to request appraisals, review applicant credit files and other information pertinent to the evaluation of the loan application.
Represent bank as appropriate in its relationships with customers, community groups, civic organizations, other financial institutions and similar groups.
Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, the Office of Foreign Assets Control and security policies and procedures.
Five to ten years of similar or related experience, including time spent in preparatory positions.
A four-year college degree, or equivalent work experience.
The ability to motivate or influence senior level personnel, internally or externally, is a key component of the job, requiring a significant level of expertise, credibility, influence and trust. Proficiency in developing and delivering material presentations on complex topics can be important to fulfilling the responsibilities of the position. The inability to communicate at this level would disqualify the individual from being able to fulfill their job responsibilities.
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 4-6 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.
Must be able to routinely perform work indoors in climate-controlled private office with minimal noise
Must be able to perform job functions independently and work effectively either on own or as part of a team. Must be able to plan and direct the work activities of self and others. Must be able to read and carry out various complicated written and oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.
About Legacy Bank
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