Responsible for working as an active member of the Company's sales/service commercial lending department; provide commercial customers with direct service relating to the Company's commercial services portfolio; develop customer relationships so as to take advantage of additional selling and cross-selling opportunities; communicate with sales and lending management personnel with respect to sales objectives, sales performance, and other factors which affect the sales/service function; provide required information on sales and service activities; generate and maintain a profitable quality commercial loan portfolio. Responsible for marketing, sales, quality, co-ordination, policy conformance, training, reporting documentation for Company products and services. Promote the Company's CRA requirements and policy; adhere to FDICIA and compliance procedures as they apply to the Company's lending activities.
Responsibilities
- Work as an active member of the Company's sales/services lending department as follows:
- Jointly establish quantitative sales objectives, with assigned supervisor on an annual basis.
- Solicit new business from present and prospective customers.
- Provide sales information on a timely basis in order that this information may be included as part of monthly and year-to-date sales performance reports.
- Monitor individual sales performance versus objectives on a monthly basis utilizing Company's sales information system.
- Maintain a thorough knowledge of the features and benefits of all Company commercial credit products and services, in order to ascertain customer needs and to sell in conjunction with these needs.
- Provide direct service to commercial customers with respect to deposit, loan, and other miscellaneous products and services, if applicable, approve or reject loan applications within individual lending authority.
- Assist customers in obtaining specialized services from other departments as necessary.
- Maintain a working knowledge of Company operating policies and procedures which impact commercial services.
- Maintain working knowledge of loan documentation procedures.
- May attend sales and trade meetings as the Company's representative to develop new business and to gain information and leads on prospective accounts.
- Responsible for early detection, reporting, and monitoring of problem credit.
- Responsible for quality of own loan portfolio.
- All other duties as assigned.
Qualifications
- Bachelor's degree required. Master's degree desirable
- Seven-year (7) years of experience in complex commercial real estate lending and /or commercial & industrial loans management experience in a financial institution.
- Formal credit experience is a requirement.
- Strong sales skills and expectation management skills.
- Excellent verbal and written communications skills.
- Knowledge of and the ability to use current technology proficiently.
- Good organizational skills, a high level of accuracy and strong attention to detail.
- Effective time management and the ability to work independently in a team environment.
- Ability to handle sensitive information with complete confidentiality and professionalism.
Benefits
- Medical
- Dental
- Vision
- 401(k) Match
- Profit Sharing
- Paid Time Off
- 11 Holidays
- Tuition Reimbursement
- Free Parking throughout Tompkins Community Bank
- Employee Referrals
Pay Range
USD $127,500.00 - USD $170,000.00 /Yr.
Bonus/Incentive Plan
Commercial Lending Incentive Plan
