Commercial Lending Officer IV (exempt), Louisville

Central-Bank-; Louisville (KY); On-site; USD 131,000 - 163,000; Full time

Benefits offered by this job

Health Insurance

401k Plan

Paid Vacation

Paid Holidays

Employee Stock Ownership Plan

Job summary

Central-Bank- in Louisville, KY is seeking an Officer to develop and manage commercial banking relationships in line with bank policies. You will oversee loan requests, analyze financial statements, and structure loans with appropriate rate, term and collateral to stay competitive.

The role also involves growing commercial and personal deposits, representing the bank in civic activities, and supporting budgeting and planning.

Qualifications

• Bachelor's or associate degree in finance, accounting or related area.
• 5+ years' commercial lending experience in an urban market.

Responsibilities

• Maintain and manage a commercial loan portfolio, evaluate financial statements, structure loans with rate/term/collateral.
• Develop and manage commercial and personal deposit accounts for profitability.
• Represent the bank on civic boards and in community activities; participate in programs for interns and students.
• Assist in the preparation of the departmental budget.
• Develop and maintain an active prospect base to expand loan and deposit base.
• Participate in Officer Call and Sales Integration Programs to develop new lending/deposit relationships.
• Assist in developing short and long-term goals for the Commercial Lending area.
• Perform other duties as assigned.

Skills

Credit analysis

Negotiation

Business development

Customer service

Time management

Interpersonal skills

Communication skills

Loan servicing

Problem solving

Education

Finance/Accounting degree

Tools

Microsoft Word

Microsoft Excel

Job description

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 Louisville, KY, US

2 days ago Requisition ID: 3260

Salary Range: $130,556.34 To $163,195.43 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 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 degree in finance, accounting or related area and experience noted above.

QUALIFICATIONS/SKILLS REQUIRED

• Good computer skills, with a working knowledge of Word and Excel
• Effective working knowledge of and experience with lending software applications
• 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
• 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)