Job Description

Makes and services a wide variety of business and individual loans (both secured and unsecured) personally or in conjunction with other Officers in the Jackson, Bartholomew, Johnson, Jennings, Monroe, Decatur and Lawrence County markets. Solicits, develops, and manages credit relations with customers. Makes and services a wide variety of commercial, real estate, lines of credit, commercial and industrial (C+I), construction and project lines of credit loans. Makes personal contacts with present and prospective customers to retain and expand existing banking relationships and solicits new business from non-customers. Supports the Bank’s non-lending commercial services function by prospecting, sales, and incidental servicing of commercial customers. Provides advice and guidance to Commercial Bankers (lenders) engaged in Treasury Management sales activities.

Requirements

SKILLS, KNOWLEDGE, AND/OR ABILITIES

• Knowledge of the Bank’s commercial and retail deposit and loan products and services
• Knowledge of pricing and financial issues that impact the pricing of various Bank products and services
• Knowledge of Bank commercial and retail loan operations policies and procedures
• Knowledge of state and federal regulations regarding loan operations including but not limited to UCC filings
• Supervision experience
• Ability to effectively delegate
• Excellent written and verbal communication skills
• Excellent inter-personal skills
• Excellent organization skills/detail-oriented
• Self-disciplined with the ability to work independently
• Strong facilitation skills
• Ability to lead others
• Project-management experience
• Good record-keeping skills
• Knowledge of accounting principles relating to reconciliations and financial profitability
• Ability to present oneself professionally
• Ability to analyze data as well as situations
• Ability to maintain confidentiality
• Ability to prioritize and to be flexible
• Problem solving skills
• Strong computer skills to include Microsoft Word & Excel

EDUCATION, TRAINING, AND/OR EXPERIENCE

• A Bachelor’s degree in Business, Finance, or Economics from an accredited college or university preferred
• Three years’ experience in authoring commercial loans preferred
• Commercial Banking education, training or certification preferred