President- Sulphur

Vision Bank Job Description

Title: Bank President Location: Sulphur

Job Summary:

The President is responsible for developing and expanding their community bank’s asset base through the profitable growth of its market share of retail and commercial lines of business. Ensuring the banks personnel comply with all policies, procedures, and regulations applicable to the bank. Must represent the Bank with pride while developing a strong market presence, ensuring the bank maintains its position as a community citizen and leader. Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

Duties/Responsibilities:

• Generates new commercial loans according to loan policy guidelines, the bank’s risk tolerance and regulatory guidelines.
• Takes responsibility for implementation, execution, and achievement of sales team goals.
• Sets a leadership example by taking ownership and exceeding personal goals.
• Directly supervises and manages a team of commercial lenders providing sales leadership and assists in the development and implementation of the Commercial Sales Plan to maintain and expand existing client relationships and growth of new relationships.
• This position requires ongoing and regular sales leadership including coaching, counseling, and reinforcement to develop the commercial team’s skills. Must continually monitor the execution of the team and respond accordingly, holding team members accountable for their results. Must have a proven ability to mentor, energize and motivate.
• Builds knowledge of all clients and prospects by compiling an in-depth profile of commercial business owners and other principals. Ensures client’s depository, cash management and investment needs are identified and met.
• Reviews and analyzes commercial client financial documents to determine viability of future business and relationship expansion opportunities.
• Advises clients and recommends various loan products and services as well as discusses qualification requirements for each option.
• Provides superior level of customer service while actively managing commercial banking relationships. Responds and resolves client inquiries, identifies new opportunities, and maintains understanding of client’s complete financial objectives.
• While working within established credit guidelines, exercises appropriate discretion in analyzing merits of specific credit and loan prospect requests.
• Develops information and makes loan presentations to appropriate loan committees, when required.
• Establishes and negotiates terms under which credit will be extended or denied.
• Monitors loan repayment activities and takes necessary action to collect on delinquent accounts.
• Proactively solicits new commercial business relationships through the cultivation of key referral sources.
• Participate in community affairs and public relations initiatives aimed at improving the bank’s visibility and enhancing new business opportunities.
• Conducts regular sales meetings with commercial lending team and retail members.
• Coordinates client development meetings in cooperation with market-specific branch office staff.
• Maintains thorough knowledge of new and current regulations.
• Makes recommendations for personnel regarding employment, training, performance rating, salary changes, promotions, transfers, terminations, career enhancements and staffing. This includes actively participating in the recruitment and retention of team members.

Required Skills/Abilities:
• Excellent verbal and written communication skills.
• Excellent sales and customer service skills.
• Excellent organizational skills and attention to detail.
• Strong analytical and problem-solving skills with the ability to assess credit risks and structure loans to benefit the borrower and the bank.
• Strong supervisory and leadership skills.
• Proficient with Microsoft Office or related software.

Education and Experience:
• Bachelor’s degree in Finance, Business Administration, or related field required, Master’s degree or Graduate School of Banking preferred.
• Experience in commercial banking and management required.