To solicit new lending relationships and to evaluate and administer a portfolio of commerical loans.
Follow Stone Banks mission statement and values of do things right!
Analyzes the financial history of applicants to determine the general credit worthiness of the applicant and the merits of a specific loan request.
Maintains continuing contact with assigned customer accounts in order to grow, cultivate and develop the current customer base and maintain a mutually beneficial relationship.
Manages loan requests and maintenance to the customer’s expectations.
Negotiates credit terms, such as costs, loan repayment methods and collateral specifications.
Monitors loan repayment activities, the collection of past due accounts and credit and collateral deficiencies.
Develops and maintains interest rate structure to be consistent with financial institution policies and procedures, and to be competitive with current market rates.
Evaluates potential customer loan requests and makes loan recommendations to Management.
Markets and cross-sells products and services that will be beneficial to existing and potential customers, including but not limited to, Treasury Management, Home Mortgage, Government Guaranteed lending, and general depository products.
Adheres to loan policies and procedures with complete documented files to ensure satisfactory reviews from internal and external audits.
Adheres to business professional conduct and code of ethics with compliance to securing customer information and maintaining high standards of confidentiality.
Attends committee meetings and conference calls relating to lending functions as requested by Senior Management.
Attends on-site customer visits to monitor business and/or company progress.
Participates in community affairs to increase the Bank’s visibility and to enhance new business opportunities.
Reviews new laws and regulations that influence business lending within the financial institution; makes recommendations to Management when necessary.
Develops new customer prospects and business for the financial institution.
Knowledge of general bank operations policies and procedures, pertinent banking regulations, employee development, and public relations.
Good understanding and knowledge of bank products and services.
Good cross-selling skills.
Bachelor’s Degree in Business, Finance or related field or sufficient current role experience.
Extensive ability to read, analyze and interpret government regulations, trade journals and legal documents. Ability to respond to common inquiries from regulatory agencies, courts and outside consultants.
Knowledge of all financial institution lending policies and procedures.
Superior analytical skills and ability to convey complex lending and financial information to both Borrowers and Management.
Excellent interpersonal and oral communication skills.
Ability to write routine reports and business correspondence.
Ability to effectively present information and respond to questions from Management, Customers, the General Public, Lending Committee and/or the Board of Directors.
Strong leadership skills.
Proficiency in Microsoft Office, especially Word and Excel.
• New and existing customers. • All Employees
PHYSICAL CHARACTERISTICS: • Job Environment: Private Office. Must be able to travel to meet customers. • Equipment Used: Calculator; Computer and Printer; Telephone; Copier • Physical Criteria: Sitting for extended periods of time; bending; lifting 5 to 10 pounds. Must be able to adequately hear and verbally communicate with customers, both face-to-face and over the telephone. Office location may require the ability to ascend/descend stairs and walk from the parking lot from the building.
Location: Physically in White Hall every Monday through Friday from 8-5 typical hours, but whatever hours are necessary to perform the job requirements.
We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law.
If you need a reasonable accommodation for any part of the employment process, please contact us by email at firstname.lastname@example.org and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.