Commercial Lending Officer IV (exempt), Commercial Lending

Central-Bank-; Lexington (KY); Sur place; USD 129 000 - 161 000; Plein temps

Avantages offerts par ce poste

Health Insurance

Vision Insurance

Paid Vacation

Paid Holidays

401k Plan

Employee Stock Ownership Plan

Voluntary Life Insurance

AD&D Insurance

Discounted Banking Services

EAP (Free counseling sessions)

Résumé du poste

Central-Bank- seeks an Officer in Lexington, KY to develop and manage a commercial banking relationship within bank policies. You will maintain a loan portfolio, lead in deposit growth, and participate in civic activities.

The role requires 5+ years of urban market commercial lending experience, strong credit analysis, and excellent communication skills. Bachelor's or Associate's degree in finance or accounting is required, with advanced proficiency in Capital Stream and Excel.

Qualifications

• Bachelor’s or Associate’s Degree in finance, accounting or related area.
• Strong credit analysis, negotiation and problem-solving skills.
• Excellent verbal and written communication.
• Proven ability to develop business and manage client relationships.

Responsabilités

• 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.

Connaissances

Verbal communication

Written communication

Credit analysis

Problem solving

Negotiation

Business development

Organization

Time management

Interpersonal skills

Customer service

Formation

Bachelor's degree in finance or accounting

Associate's degree in finance or accounting

Outils

Word

Capital Stream

EnAct

Appro

Excel

Description du poste

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Officer Full-Time Lexington, KY, US

4 days ago Requisition ID: 3239

Salary Range: $128,784.08 To $160,980.11 Annually

Equal opportunity employer as to all protected groups, including protected veterans and individuals with disabilities

JOB SUMMARY:

Develops and manages a commercial banking relationship within the established policies of the Bank.

LEVEL DIFFERENTIATION:

Works primarily from one of the Bank’s urban market areas (Lexington, Louisville, Northern Kentucky) and has a minimum of 5 years commercial lending experience in an urban market with proven record of handling complex commercial loans and high levels of commercial loan production.

EDUCATION/EXPERIENCE REQUIRED:

Bachelor’s or Associate’s Degree in finance, accounting or related area and experience noted above.

QUALIFICATIONS/SKILLS REQUIRED:

• Good computer skills, with a working knowledge of WORD, Capital Stream, EnAct, Appro and Excel.
• 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:

1. 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.

2. Develops and manages commercial deposit accounts and personal deposit accounts in a manner that will provide the bank with maximum profitability.

3. 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.

4. Assists in the preparation of the departmental budget.

5. Develops and maintains an active prospect base for solicitation purposes in order to expand the existing loan and deposit base.

6. Actively participates in the Officer Call and Sales Integration Programs to develop new lending and/or deposit relationships for the bank.

7. Assists in the development of intermediate goals and long term objectives for the Commercial Lending area.

8. Performs other duties as assigned.

BENEFITS:

• Health Insurance
• Vision Insurance
• Paid Vacation
• Paid Holidays
• Employee Stock Ownership Plan
• 401k 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
• Subsidized Parking (Downtown)
• 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)