First Vice President, Commercial Banking

Hills Bank and Trust Company

Cedar Rapids, IA / Mt. Vernon, IA Financial Services & Banking / Customer Service

SCOPE:

The First Vice President-Commercial Banking serves as a relationship manager with commercial customers. This position is responsible for selling commercial loans and deposits products/services to commercial clients, their managers and their employees. 

Individual will have a minimum of 4-6 years of lending experience and knowledge of commercial products and services in order to perform tasks independent with little direction from the supervisor and to be able to assist other bank employees in the delivery of Commercial Services.  Including originating, underwriting and closing secured and unsecured commercial loans in accordance with established lending objectives, policies and procedures; sell bank deposit products and services; establish and maintain positive relationships with existing and potential customers, by performing the following duties.

ACCOUNTABILITIES:

New Business Development:

  • Participate in the Bank's business development activities through individual and joint sales call efforts, represent the Bank in community organizations, local business groups, etc., and promote the Bank's favorable image.
  • Establish and maintain positive working relationships with businesses and other organizations to provide information regarding the lending programs with the bank.
  • Seek new business by presenting, selling and cross-selling bank products that match the customer’s needs and following up to properly ensure quality service.
  • Provide referrals to various departments; Commercial Deposits, Mortgage, Retail, Trust and Insurance.  A basic understanding of these services is needed to refer effectively.
  • Coordinate the processing of client’s personal banking needs, with the help of our real estate or personal bankers, and serving as the relationship manager for our commercial and professional customers.
  • Participate in bank sponsored events, networking with guests to develop a personal knowledge of who they are.
  • Provide leadership for several bank sponsored events each year.

  

Commercial Loan Portfolio Management:

  • Originate loans within bank policy to attain growth goals.
  • Interview applicants and requests specified information for loan application; requests appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to evaluation of loan application; analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan; and corresponds with or interviews applicant or creditors to resolve questions regarding application information.
  • Meets and maintains portfolio profitability goals. Compiles loan package and facilitates negotiation with applicant according to established standards, such as fees, loan repayment options, and other credit terms; refers loan to loan committee for approval; ensures loan agreements are complete and accurate according to policy; assures timely loan closing and funding activities.
  • Utilize government programs when deemed necessary to meet customer's credit needs.
  • Participate in the collection procedures and processes of the loan officers to assure the timely collection of all delinquent accounts and develop revised loan repayment terms or schedules as necessary.
  • Maintains portfolio credit quality goals.
  • Maintains complete and accurate file documentation.
  • Individual lending authority as determined by the loan policy.
  • Maintain a working knowledge of applicable compliance regulations.

 

Commercial Deposit Portfolio Management:

  • Generate new commercial deposit accounts to attain growth goals.
  • Maintain favorable customer relations and cross-sell commercial services through needs identification thus ensuring the most positive and profitable relationship exists between the Bank and its customers.
  • Provide assistance to co-workers with difficult internal problems or customer inquiries or problems.  Ensure prompt and courteous response to customer inquiries.
  • Assist customers with inquiries and information requests.   Resolve complaints relating to loan products and services.
  • Promote commercial, fee based, services to customers and prospects.

 Community Involvement:

  • Participate in at least 2 community organizations through membership and regular attendance, networking with group members to develop a personal knowledge of who they are.
  • Provide leadership in at least 1 community organization.

 Other Duties:

  • Perform other duties as assigned.

Job ID: 69874

Posted 17 days ago

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