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Form of workVP Business Banker
This position reports to the Market President and is primarily responsible for overall management of an assigned business or agricultural loan portfolio. Responsibilities include originating loans and managing the assigned portfolio in terms of growth, mix, margin, credit quality, and fee income.
Qualities of the successful candidate include:
- A four-year degree in business administration or equivalent experience with 3-5 years' experience lending for a community bank
- Must have detailed knowledge of banking rules and regulations and Bank products offered
- Construction lending experience is a plus
- Professional appearance and attitude are a must
- Must have knowledge of credit analysis, credit policy/procedures, problem loan administration, and financial budgeting and planning
- Computer knowledge and the ability to learn various software programs is a must
- Attention to detail while composing, typing and proofing loan documents
- Must have the ability to calculate figures and have good verbal and written communication skills
- Must be able to multi-task and work under stress and pressure
- Must be dependable, trustworthy, and maintain confidentiality
Responsibilities of this position include (but not limited to):
- Identifies, pursues, and develops potential; commercial customers in order to build a high-quality loan portfolio, while staying in accordance with loan policy guidelines and underwriting standards to ensure maximum profitability, loan quality and to minimize potential losses to the Bank
- Manages an existing portfolio and will be required to build on those relationships by giving top notch financial service
- Approves and administers loans up to individual credit authority
- Establishes customer’s risk level by researching bank relationships, determining collateral values, and analyzing all data compiled to ensure quality loans are approved. Listens to a customer’s financial challenges and tries to find a workable solution.
- Displays knowledge and proficiency in explaining and selling additional Bank products; recognizes sales opportunities and refers customers to the appropriate department
- Prepares and presents information at loan meetings in a clear, accurate, and confident manner
We offer a competitive benefits package that includes Medical, Dental and Vision; FSA or Dependent Care; Supplemental Accident, Hospital, or Critical Illness Plans; Employer paid Life Insurance, STD, and LTD; Additional Voluntary Life Insurance Options. Vacation, Sick and Volunteer leave; 401K and Profit Sharing.
Plains Commerce Bank is an Affirmative Action/Equal Opportunity Employer, committed to providing equal employment opportunity without regard to an individual’s race, religion, color, gender, national origin, ancestry, age, sexual orientation, disability, or veteran status.
