Strategic Markets VP II

First Financial Bank; Keystone (IN); On-site; USD 94,000 - 112,000; Full time

Job summary

First Financial Bank seeks a VPII at Oak Street Funding to originate loans in niche markets and manage relationships with mid-market clients, typically exposing $1M–$30M. This role requires proactive business development and deep credit understanding.

You will lead prospecting, qualify lending opportunities, prepare term sheets, and present to loan committees. Travel is required to meet clients and industry events; strong negotiation and communication skills are essential.

Qualifications

• 5+ years of relationship-based client procurement and account management.
• Excellent business acumen and strong written and verbal communication.
• Organizational and analytical problem-solving skills.
• Generate new business through consultative sales approaches.
• Experience reviewing credit applications and financial statements.
• Understanding of complex mid-market commercial loans.
• Proficient PC skills and adaptability to proprietary software.

Responsibilities

• Originates loans in niche markets and manages client relationships with exposure typically $1M–$30M.
• Prospects via outbound calls and referrals; builds a circle of influence for business development.
• Qualifies lending opportunities using consultative sales; presents to clients and loan committee as needed.
• Prepares and analyzes cash flow and risk for term sheets and loan structures.
• Promotes cross-selling of other banking products; travels for client meetings and industry events.
• Ensures compliance with internal policies, BSA/AML, and regulatory requirements.

Skills

Relationship management

Business development

Credit analysis

Negotiation

Communication

Education

Bachelor's degree

Job description

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written!

Originate loans in the niche markets Oak Street Funding serves.

The VPII at Oak Street Funding is responsible for prospecting lending opportunities. Generally handling loan relationships with aggregate exposure between $1MM to $30MM and developing relationships within the niche markets Oak Street Funding serves.

• Through a myriad of business development activities, including direct to market outbound calls, building a circle of influence to drive referrals and be seen as a thought leader for Oak Street to meet set goals and production levels.
• Utilize a consultative sales approach to qualify lending opportunities and develop a comprehensive understanding client’s needs.
• Utilizing a consultative sales approach to drive relationships and develop lending opportunities.
• Based on review of personal and company level information via the application process, utilize proprietary software to prepare and present to the loan committee an initial loan structure for input and term sheet preparation, including a cash flow analysis and ability to articulate the financial strength of the applicant. Externally by preparing and presenting term sheets be able to articulate the risk profile and subsequent structure outlined in a term sheet.

• Understanding of risk based pricing and negotiate the terms of the loan with the prospective client.
• Promote and cross sell other banking products.
• Travel includes but is not limited to onsite visits with prospects and clients for the purpose of business development, relationship management, due diligence trips as well as representing Oak Street at industry events for the purpose of business development. Maintain compliance with internal policies and procedures.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

• 5+ years of relationship based client procurement and account management.
• Excellent business acumen including strong written and verbal communication and presentation skills.
• Organizational skills.
• Well-developed analytical and problem solving skills.
• Generate new business through consultative sales approach.
• Experience reviewing credit applications, personal financial statements, credit reports, business financial statements.
• Understanding of various corporate structures
• Experience with complex mid-market commercial loans.
• Strong PC skills.
• Demonstrative sales and negotiations experience required.

Preferred Knowledge And Skills

• 5 years of previous commercial lending, private or business banking, experience. Credit training, credit quality and underwriting fundamentals experience including financial analysis required.
• College Degree Required.

Level of Complexity and Scope

• Navigate in-depth term sheet negotiations with large prospects.
• Review and analyze complex credit applications, credit reports, and business financial statements.
• Present complex, large transactions to OSF management.

Degree of Independence and Decision-Making

• Demonstrated ability to work independently balancing strong time management and organizational skills
• Ability to prioritize work and meet deadlines with accuracy and attention to detail
• Work directly with the deal team, including the Director of Underwriting, Chief Counsel and Account Managers to facilitate a positive client experience from onboarding as a borrower through diligence process and funding.

Required Supervisory Responsibilities

• Provide mentorship to less experienced employees as needed

Physical Requirements

• Typical office setting which includes desk/computer work. Also required travel.
• Travel includes but is not limited to onsite visits with prospects and clients for the purpose of business development, relationship management, due diligence trips, as well as representing Oak Street at industry events for the purpose of business development.

Compliance Statement

• The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.

Development and Training

Pay Range: $94,000/yearly - $112,000/yearly

Benefits

We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide.

Incentive Eligibility

All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.

It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.

We are an E-Verify Employer.