• Solicit commercial clients; aggressively seeks and obtains quality new business through client and prospect calls, referrals, and cross selling efforts. 

• Obtaining and maintaining COI’s and attending various networking events in the assigned geographic area. 

• Generate a wide variety of commercial, agricultural, and real estate loans. 

• Responsible for an annual loan goal of $25MM plus. Closing loans typically in the $250,000 to $10 million range. 

• Contributes to deposit growth by cross selling and promoting additional banking products

  • Responsible for the development of an annual loan budget in conjunction with Executive Lending Officer and/or Senior Lending Officer, including projected loan volume, yields, etc.

  • Reviews management control reports and compares actual with planned budgetary performance.

  • Prepares lending activity reports as needed and/or as directed for the Executive Committee of the Board of Directors or any other Board designated committee.  

  • Provides guidance, direction and focus to the Banking Center President with respect to lending and lending related operations.

  • Responsible for developing and recommending loan pricing policy and implementing same under the direction of the CEO and the Board of Directors.

  • Authorizes or rejects credit requests exceeding the lending authority of the Approval Level handling the loan application as detailed in the Loan Authority Chart of the Bank and the Streamline Policy of the Bank.  

  • Responsible for personnel management and administration activities of a regional lending function, including staffing, job assignment, mentoring, counseling, training, performance appraisal, compensation review and input and implementation of short-term incentive program.

  • Maintains professional and community relations to increase the Bank’s Visibility and new business opportunities and to further personal development.

• Monitors loan repayment activities within loan portfolio and ensures necessary action is taken to collect delinquent accounts.

• Assists in the Assignment of problem loans to appropriate loan officers and may assist in the handling of problem assets.

• Offers input to periodic revision of Loan Policy and is responsible for ensuring that the Loan Officers comply with loan policy.

• Keeps abreast of the Bank’s efforts in adequately handling compliance issues and all lending related regulations.

• Enforces lending policy and monitors efforts to eliminate all collateral exceptions and exceptions to loan policy.

• Maintains a thorough knowledge of all bank products and services.

• Exercises the usual authority of a regional director concerning staffing, performance appraisals, promotions, salary recommendations and terminations.

• Interviews loan applicants and collects and analyzes financial and related data to determine the general creditworthiness of loan applicants and the merits of the specific loan request.

• Establishes and negotiates, when necessary, the terms under which credit will be extended, including the costs, repayment method, maturity, pricing, and collateral requirements.

• Approves loans up to the specified loan approval limit and serves as a contact officer on loans above his/her limit.

• Collects and analyzes or causes to be analyzed, information that reflects the current creditworthiness of customers and the merits of existing loans.  Information may be obtained by direct inspection of the applicant’s business and/or collateral, review of interim financial reports, appraisals, personal interview, etc.

• Is responsible for compliance with all federal laws including BSA and others specifically related to the position. 

• Performs other related duties as assigned.

The above statements describe the general nature and level of work only.   They are not an exhaustive list of all required responsibilities, duties, and skills.  Other duties may be added, or this job description amended at any time.