Banking Officer IV

ANB Bank hires individuals who provide excellent customer service and build meaningful relationships with our customers and within our communities.  ANB is committed to rewarding to our team members who strengthen our company and culture.  ANB offers competitive compensation and a comprehensive benefits package for this position.

• Hiring Pay Range: $80,000.00 - $100,000.00 per year

Benefits Package Offered (Subject to Eligibility Requirements): 

• Paid Vacation, Sick, and Holiday Time 
• Discretionary Annual Bonus and 401(k) Match
• Company Subsidized Medical, Dental, and Vision Insurance Available for Employee, Employee Spouse, Employee Child(ren), and Employee Family
• Healthcare and Dependent Care Flexible Spending Account
• Health Savings Account and Limited Purpose Flexible Spending Account for High Deductible Health Plan (HDHP)
• Company Provided Employee Life, Employee AD&D, and Long-Term Disability Insurance
• Supplemental Life Insurance for Employee, Spouse, and Child(ren)
• Supplemental AD&D Insurance for Employee and Spouse
• Short-Term Disability
• Tuition Assistance Program 
• Employee Banking Services 
• Free Employee Parking

Qualifications 

• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

Summary

• Originate, process, and service the credit needs of businesses, consumers and professionals within the marketplace and maintain and solicit related depository accounts and other fee-generating services. Provides support to all retail and Treasury Management functions, therefore must maintain a reasonable working knowledge of all operational functions.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

• Servicing the credit needs of customer and prospecting requiring plant visits; obtaining financial and other information; performing or coordinating credit analysis; making loan presentation and recommending approval to Bank Loan Committee where required; and negotiating terms and conditions such as rates, collateral, guarantees, loan agreements, and other documentation.
• Applying ongoing administration and review of the credit until ultimate collection, including on-going monitoring and grading of credit.
• Detecting potential problems and applying techniques of problem loan administration.
• Although Loan Committee review may be required prior to approval of certain loans, a high degree of reliance is placed on the judgment of the loan officer. Regardless of the need for committee approval, the loan officer is fully responsible for the loan.
• Responsible for daily management of a commercial loan portfolio, including, but not limited to, credit quality; compliance with the bank’s policies and procedures, and applicable laws and regulations; and management of past due loan status. Overall portfolio may include consumer credits as well.
• In conjunction with Community Bank Presidents, may provide oversight and guidance to both commercial and consumer banking officers.
• Acting as relationship manager for assigned customers, ensuring customer satisfaction and the resolution of service problems for all bank products.
• Expanding customer base through networking and sales calling. Soliciting the business of non-borrowing customers as well as loan customers.  Maintaining product knowledge to generate credit, deposit, and fee business.
• Participating in community involvement activities to enhance Bank’s visibility, image, and reputation.
• Delivering the quality of service as defined by department standards.
• This position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008.
• Maintains a current knowledge and consistent compliance with Bank Secrecy Act (BSA) requirements, as well as knowledge and consistent compliance with other banking regulations and Bank policies and procedures related to the position.
• Maintains a working knowledge of all retail and treasury management banking functions. Provides support as needed to these functions, including transaction and exception approvals to include all deposits, wires, temporary limit increases, etc.
• Makes referrals to Financial Services department for clients seeking investment options not provided by the Bank.
• Proven level of highly developed skills in relationship management, business development, credit analysis, credit presentation and underwriting skills. 
• Ability to manage effectively every credit or customer relations situation presented including the most complex credits, participations, negotiations with attorneys, alternative pricing proposals, etc.
• Likely portfolio size of approximately $10MM to $50MM consisting of approximately 70-130 credits. 
• Ability to manage and mentor lower-level Banking Officers.
• May select, train, develop, motivate, and appraise subordinates and ensure that they are achieving or maintaining skill levels and goals.

EDUCATION and/or EXPERIENCE

• Minimum 8 years of experience in commercial lines lending required.
• Preferred Bachelor's degree (B.A.), or an equivalent combination of education and experience. 

Equal Opportunity Employer / Affirmative Action / Minorities / Female / Disability / Veteran

ANB Bank is committed to providing Equal Opportunity in Employment.  The Bank is continually trying to improve recruitment, employment, development and promotional opportunities for its employees.  Our selection decisions are based on job-related factors and not on the basis of age, race, sex, color, religion, national origin, disability, sexual orientation, veteran status, or any other status protected by federal, state, or local law.

ANB Bank complies with the Equal Pay for Equal Work Act.  ANB Bank requests that Applicant not disclose its wage rate history to ANB Bank.  If ANB Bank for any reason comes into possession of Applicant’s wage rate history, ANB Bank will not rely on it in determining a wage rate.

Salary : $80,000 - $100,000