Essential Duties & ResponsibilitiesTo perform this job successfully, an individual must be able to perform each essential duty and responsibility satisfactorily.
- Provide leadership and coaching to direct reports.
- Develops and maintains a productive working relationship with Banking Officers, assisting in determining customer needs and appropriate products and/or services.
- Assists Banking Officers in obtaining information for loan applications and other banking products, explain the process and answer questions.
- Analyzes applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
- Obtains and compiles copies of loan applicants' credit histories, corporate financial statements, and other financial information.
- Works closely with Banking Officer to guide loan applications through the underwriting process and decision.
- Stays abreast of new types of loans and other financial services and products to better meet customers' needs.
- Stays abreast of regulatory compliance requirements, loan policy and operating guidelines.
- Reviews and updates credit and loan files.
- Submits applications to Central Retail or Credit Officers for underwriting and analysis, as applicable.
- Submits necessary documents to Central Processing Department and Loan Processor for generation of loan documents.
- Works with Banking Officers to clears any outstanding exceptions timely.
- Closing and funding loans within authority.
- Assists Banking Officers to manage credit and collection of payments up to 30 days delinquent for the life of the loan.
- Assist Banking Officers and Credit Manager to monitor loan documents, including loan agreements to ensure borrowers is in compliance with terms throughout life of loan.
- Services customers' complaints, questions and requests, as needed, and takes appropriate action to resolve.
- Assist in maintaining loan pipeline.
- Assist in preparing letters of intent and loan proposals.
- Assist in the annual collection of financial information from commercial loan customers.
- Review maturity reports to ensure that loan renewals are processed in a timely manner.
- Review loan repricing reports to assist Banking Officers to identify possible loan modifications ore refinances.
- Assist in opening deposit accounts for loan customers.
- Work with Banking Officers to identify cross-selling opportunities within the portfolio.
- Provide support and direct contact with customers of Banking Officers when needed.
- Other duties as assigned.
Supervisory ResponsibilitiesThis position carries out supervisory responsibilities in accordance with bank guidelines, policies and procedures, and applicable state and federal laws. Supervisory responsibilities include interviewing and making hiring recommendations; employee coaching, training and appraising performance; planning, assigning, and directing work; rewarding performance or recommending disciplinary action as appropriate; and, addressing complaints and resolving problems that may arise. This position provides directional oversight to the following positions:
- Portfolio Manager I and Portfolio Manager II
QualificationsThe requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Ability to adapt easily to new and emerging technologies, changes in regulations, product changes, and Bank policy and procedure adjustments.
- Ability to read, analyze, and interpret industry information such as customer financial statements, tax returns and complex technical documents.
- Possess excellent verbal and non-verbal communication and presentation skills, with the ability to effectively present information to management.
- Provide excellent customer service while exhibiting dedication to Forcht Bank's mission, vision and values.
- Proficient in the use of all Microsoft Office Products, in particular Word and Excel; Bank information systems; Laser Pro and internet research when appropriate.
- Extensive background in financial institution operating policies and procedures and banking regulations including a thorough understanding of financial institution products and services.
- Ability to effectively present information to management in verbal and written format.
- Ability to work with a team and members of other departments of known concepts.
- Ability to follow prescribed and detailed procedures to solve moderately complex problems and collect data, establish facts and draw valid conclusions.
- Ability to give full attention to what other people are saying; taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
- Ability to communicate orally to offer to others to convey information effectively.
- Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar including the ability to comprehend written sentences and paragraphs in work related documents.
- Ability to use logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
- Ability to manage time and to be efficient and effective in the completion of assignments.
Physical Demands and AbilitiesThe physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform the essential duties of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- The ability to listen to and understand information and ideas presented through spoken words and sentences.
- The ability to communicate information and ideas in speaking and writing so others will understand.
- The ability to identify and understand the speech of another person.
- The ability to see details at close range (within a few feet of the observer).
- Ability to stand for long periods.
- Ability to stand, bend, and lift up to 10 pounds.
- Ability to operate standard business equipment such as fax, computer, printer, copier, etc.
- Ability to look at a computer screen for long periods of time.
- Ability to regularly travel to other locations.
- Must be able to work on a flexible schedule that at times may include late working hours or weekend hours.
Required Education and/or Experience- Bachelor's degree in Business, Finance, Accounting, Sales, Communications, or a degree which would have taught the skills relevant to the position. Relevant work experience may be substituted in lieu of education.
- Ten (10) years of experience in the financial services industry or an occupation that required superior customer service skills, client interaction that may include business and/or retail loan underwriting, managing and loan portfolio monitoring. Banking, management, or retail sales experience is preferred but not required.
- Extensive knowledge of bank operations, procedures and regulations.
Other Requirements- May be required to attend activities outside the bank to stay abreast of new developments, best practices, civic activities, and statutory and regulatory changes.
- Pursuant to the Drug Free Workplace Act of 1988, all employees must remain drug free and alcohol free when reporting to work and while engaged in any work related activities.
- Must comply with all Bank Secrecy Act rules, regulations and requirements.
