Commercial Lending Officer IV (exempt), Commercial Lending

Central Bank & Trust Co.; Lexington (KY); Sur place; USD 90 000 - 130 000; Plein temps

Avantages offerts par ce poste

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 Counseling

AAA Membership Discount

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-emps)

Personal Day

Birthday Holiday

Wedding Day

Appointment Time

Long Term Disability

Life Insurance (2x salary)

Résumé du poste

Central Bank & Trust Co. in Lexington, KY seeks a seasoned Commercial Lending professional to develop and manage banking relationships within established policies. The role focuses on urban markets, with at least five years of experience handling complex loans and generating high loan production.

The position requires a Bachelor’s or Associate’s Degree in finance or accounting, plus strong analytical, communication and cross-selling skills to maximize profitability and client service.

Qualifications

• Bachelor’s or Associate’s Degree in finance, accounting or related area.
• Minimum 5 years commercial lending experience in an urban market.
• Strong credit analysis and financial statement evaluation skills.
• Proven ability to cross-sell bank services and build client relationships.

Responsabilités

• Manage and grow a commercial loan portfolio for operating companies and key individuals.
• Develop and manage commercial and personal deposit accounts for profitability.
• Represent the bank on civic boards and present to schools and groups on lending topics.
• Assist in departmental budgeting.
• Develop and maintain an active prospect base to expand loan and deposit base.
• Participate in Officer Call and Sales Integration Programs to develop lending relationships.
• Support long-term objectives for Commercial Lending.
• Perform other duties as assigned.

Connaissances

Credit analysis

Negotiation

Business development

Time management

Interpersonal skills

Customer service

Verbal communication

Written communication

Cross-selling

Formation

Bachelor’s or Associate’s Degree in finance or accounting

Outils

Word

Capital Stream

EnAct

Appro

Excel

Description du poste

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

• 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)