Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled
JOB SUMMARY:
Develops and manages a commercial banking relationship within the established policies of the Bank.
LEVEL DIFFERENTIATION:
Either works:
- Primarily from one of the Bank's urban market areas (Lexington, Louisville, Northern KY); or
- Works within a rural market with 3+ years' direct small business and/or commercial lending experience and has demonstrated ability to grow own commercial loan production.
EDUCATION/EXPERIENCE REQUIRED:
Must meet one of the following:
Bachelor's Degree in finance, accounting or related area and either of the following:
Two+ years' lending experience
Two+ years' banking experience in related department which offers direct exposure to lending policy/guidelines (i.e. credit analysis, loan review, banking center management, etc.)
Associate's degree and five+ years' experience in lending and/or banking experience in related department which offers direct exposure to lending policy/guidelines
Greater than 10 years' experience in a lending related position which offers direct exposure to lending policy/guidelines
QUALIFICATIONS/SKILLS REQUIRED:
- Good computer skills with a working knowledge of Word and Excel
- Working knowledge of lending software applications preferred
- Excellent verbal and written communication skills
- Proven strength in credit analysis, problem solving, negotiation, business development, organization, time management, interpersonal skills and customer service
ESSENTIAL JOB DUTIES AND RESPONSIBILITIES:
- Maintains and manages a commercial loan portfolio for operating companies and the key individuals within those companies to include: receipt of loan request, evaluation of financial statements, structuring loan with respect to rate, term and collateral to remain competitive and maximize profit, cross-sell other bank services, and monitor repayment activity to keep past due accounts under control in accordance with the established policies of the Bank.
- Develops and manages commercial deposit accounts and personal deposit accounts in a manner that will provide the bank with maximum profitability.
- Represents the bank on various civic boards and in community activities. Makes presentations to schools and civic groups on lending-related topics. Participates in bank programs for college interns, EBCE students and shadowing.
- Assists in the preparation of the departmental budget.
- Develops and maintains an active prospect base for solicitation purposes in order to expand the existing loan and deposit base.
- Actively participates in the Officer Call and Sales Integration Programs to develop new lending and/or deposit relationships for the bank.
- Assists in the development of intermediate goals and long term objectives for the Commercial Lending area.
- Performs other duties as assigned.
BENEFITS:
- Health Insurance
- Dental Insurance
- Vision Insurance
- Paid Vacation
- Paid Holidays
- Employee Stock Ownership Plan
- 401k Plan
- Flexible Benefit Plan
- Voluntary Life Insurance
- AD&D Insurance
- Discounted Banking Services
- EAP (Free counseling sessions)
- Discounted AAA Membership
- Fitness Discounts
- Vacation Purchase Plan
- Interest-Free Computer Loan
- Interest-Free Fitness Equipment Loan
- Service Awards
- Attendance Awards
- Funeral Leave
- Subsidized Parking (Downtown)
- Sick Leave
- Educational Assistance Program
- Employee Wellness Program
- Dell Computer Discount
- Discounted Tickets
- Cell Phone Discount
- Jeans days to benefit local charities
- Paid Identity Theft Protection
- New Hire Incentive (for hourly employees)
- Personal Day
- Birthday Holiday
- Wedding Days
- Appointment Time
- Long Term Disability
- Life Insurance (2x salary)