Job Title: Vice President, Commercial Lender
Department: Banking
FLSA: ExemptGeneral FunctionThe Vice President Commercial Lender is responsible for business development and relationship management of basic to the most complex credits to solicit and originate agricultural and/or commercial business. Position consists of managing asset quality of Commercial portfolios, retention and overall relationship management of business banking.
Core Competencies- Customer Service
- Professionalism
- Sales
- Networking and relationship building
- Loan Knowledge
Reporting RelationsAccountable and Reports to: EVP, Senior Lender
Positions that Report to you: None
Primary Duties and Responsibilities:- Responsible for meeting or exceeding loan, fee, and deposit production goals.
- Ensure loan and deposit portfolio is in compliance with all legal and regulatory requirements to maximize profitability of the organization while minimizing risk.
- Prepare and present basic to the most complex credits, including write-ups. This will include analyzing financial and related data, summary of credit risks, identification of loan policy exceptions, proposed improvements to loan structure, and assessment of the loan rating.
- Develops key relationships in the market by promoting a positive image of Midwest Heritage in the community through active participation in professional and civic group activities.
- Provide loan operations the needed information in a timely manner to ensure credit files are up to date and in compliance as measured by technical exception report (tickler).
- Build additional relationships across Midwest Heritage banking (deposit, mortgage, etc.), financial and insurance services, to existing and potential commercial customers.
- Actively participates in the strategic planning, development and marketing of Ag and/or commercial loan programs including developing pricing strategies and completing assigned projects. Analyzes and monitors various industries, market trends, economic risks and other related factors to identify local agricultural and/or business development and service opportunities.
- Evaluate and monitor various industries, market trends, economic risks, and other related factors and make recommendations to lender and/or loan committee including ways to improve risk management processes.
- Mentors, trains and assists less experienced peers on complex credits.
Knowledge, Skills, Abilities, and Worker Characteristics:- Commitment to the Midwest Heritage mission and willingness to promote the values of the organization.
- Strong organizational and time management skills with the ability to prioritize multiple tasks and meet deadlines.
- Proficient computer skills. Microsoft Office preferred (Outlook, Power Point, Excel and Word).
- Good verbal and written communication skills.
- Strong interpersonal skills; ability to relate to and interact with people in a friendly, professional manner.
- Strong detail orientation including the ability to review forms for accuracy and completeness.
Education and Experience:- Bachelor's Degree in Finance, Business or related field with a minimum of 7+ year's commercial lending experience.
- Must have valid driver's license and meet requirement for use of company vehicle.
Physical Requirements:- This position is classified sedentary/light and requires the ability to sit for long periods of time.
- Visual requirements include: ability to see detail at near range with or without correction.
- Must be able to perform the following physical activities: sitting for long periods, talking (in person and by telephone), hearing and repetitive motions.
Working Conditions:- The duties of this position are normally performed in a general office setting. This is a fast paced work environment.
- There is frequent pressure to meet deadlines and handle multiple projects in a day.
Equipment Used to Perform Job:Computer (PC with Microsoft Office programs), telephone, calculator, telephone, copier, fax, and printer.
Contacts:This position works with Midwest Heritage employees, customers, Hy-Vee employees, vendors and outside agents doing direct business with Midwest Heritage.
Confidentiality:This position has the responsibility to protect the privacy and confidentiality of customers, employees and bank/insurance/financial information at all times.
