Commercial Lender and Development Officer
Quick Apply Full-time 11 hours ago Full Job Description First Central State Bank received the Best Workplace by the DeWitt Chamber and Development Company.
POSITION SUMMARY This position is responsible for developing potential customers to sell bank products and services in the business community.
This position sources leads, develops prospects,establishes and achieves sales targets.
It develops relationships with new and present clients.
This position manages a diverse portfolio of commercial loans and deposits.
DUTIES AND RESPONSIBILITIES Essential Duties and Responsibilities To perform this job successfully an individual must be able to perform each essential duty.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Creates strong local presence.
Build and maintain relationships with community businesses and respond to their needs to ensure a positive experience.
Build a profitable loan portfolio by successfully prospecting for new business and retaining and expanding existing customer relationships.
Proactively maintains activities that support the sales goals for bank products.
Uses sound judgement in determining potential clients/deals.
Structures deals appropriately to balance risk and reward.
Presents concerns and solutions to mitigate potential future risk.
Structures and negotiates complex loans and/or agreements to include the terms, pricing, special conditions and interest rates for commercial loans.
Approves loans within assigned limits, manages loan and portfolio credit quality, sources prospects and develops new customer relationships.
Identifies and successfully capitalizes on cross-sell opportunities and makes appropriate referrals.
Interviews applicants to determine financial eligibility and feasibility of granting loans.
Gathers personal information about clients and businesses to ensure that an informed decision is made regarding the creditworthiness of the borrower and the probability of repayment.
Works closely with loan collections staff to contact borrowers with delinquent loan accounts to help them find a method of repayment to avoid their defaulting on the loan.
Works to grow the bank's reputation by community outreach and involvement.
Operates in compliance with laws and regulations and adheres to lending compliance guidelines.
Participates in civic and community activities to generate visibility for the bank.
Performs other duties as assigned.
BENEFITS Stakeholder Bonus Health Insurance Dental Insurance Retirement Plan (401k) - 3% Safe Harbor Contribution
Discretionary Contribution 10 Observed Holidays PTO Group Term Life provided Short Term Disability - 100% provided by company Long Term Disability Maternity/Paternity Leave - 100% of pay Community Involvement Pay-It-Ohnward - Company Giving Program Grilling for Charity - Community Donations Thank God Its Monday (TGIM) Company Event Equal Opportunity Employer Apply on our website https:
//www.
ohnward.
com/ Job Type:
Full-time
Benefits:
401(k) Dental insurance Health insurance Paid time off Work Location:
One location 401(k) Dental insurance Health insurance Paid time off Quick Apply.
Estimated Salary: $20 to $28 per hour based on qualifications.
POSITION SUMMARY This position is responsible for developing potential customers to sell bank products and services in the business community.
This position sources leads, develops prospects,establishes and achieves sales targets.
It develops relationships with new and present clients.
This position manages a diverse portfolio of commercial loans and deposits.
DUTIES AND RESPONSIBILITIES Essential Duties and Responsibilities To perform this job successfully an individual must be able to perform each essential duty.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Creates strong local presence.
Build and maintain relationships with community businesses and respond to their needs to ensure a positive experience.
Build a profitable loan portfolio by successfully prospecting for new business and retaining and expanding existing customer relationships.
Proactively maintains activities that support the sales goals for bank products.
Uses sound judgement in determining potential clients/deals.
Structures deals appropriately to balance risk and reward.
Presents concerns and solutions to mitigate potential future risk.
Structures and negotiates complex loans and/or agreements to include the terms, pricing, special conditions and interest rates for commercial loans.
Approves loans within assigned limits, manages loan and portfolio credit quality, sources prospects and develops new customer relationships.
Identifies and successfully capitalizes on cross-sell opportunities and makes appropriate referrals.
Interviews applicants to determine financial eligibility and feasibility of granting loans.
Gathers personal information about clients and businesses to ensure that an informed decision is made regarding the creditworthiness of the borrower and the probability of repayment.
Works closely with loan collections staff to contact borrowers with delinquent loan accounts to help them find a method of repayment to avoid their defaulting on the loan.
Works to grow the bank's reputation by community outreach and involvement.
Operates in compliance with laws and regulations and adheres to lending compliance guidelines.
Participates in civic and community activities to generate visibility for the bank.
Performs other duties as assigned.
BENEFITS Stakeholder Bonus Health Insurance Dental Insurance Retirement Plan (401k) - 3% Safe Harbor Contribution
Discretionary Contribution 10 Observed Holidays PTO Group Term Life provided Short Term Disability - 100% provided by company Long Term Disability Maternity/Paternity Leave - 100% of pay Community Involvement Pay-It-Ohnward - Company Giving Program Grilling for Charity - Community Donations Thank God Its Monday (TGIM) Company Event Equal Opportunity Employer Apply on our website https:
//www.
ohnward.
com/ Job Type:
Full-time
Benefits:
401(k) Dental insurance Health insurance Paid time off Work Location:
One location 401(k) Dental insurance Health insurance Paid time off Quick Apply.
Estimated Salary: $20 to $28 per hour based on qualifications.
|
|
 | |
