What are the responsibilities and job description for the Consumer & Small Business Lender - Berryville, AR position at Equity Bank?
Position Opening: Consumer & Small Business Lender
Department: Community Administration
Status: FT Salary
Responsibilities and Expectations
- Customer Service- Maintain regular contact with customers, provide quality service, understand their business needs and credit risk profile. Retain clients with acceptable risk portfolios. Demonstrate concurrence, commitment, and appreciation for all bank decisions and actions, regardless of personal beliefs, opinions or biases.
- Productivity- Meet loan, deposit, and fee income growth goals as agreed to annually with Market President. Maintain an annual personal plan with appropriate activities/action steps necessary to meet growth goals and take initiative to communicate the results of those activities/action steps to Market President at least monthly.
- Profitability- Demonstrate effective behavior in maximizing customer profitability within the context of quality customer service and retention. Examples of profit maximizing behaviors include (but are not limited to) optimizing loan pricing, loan origination, and renewal fees, deposit rates, and overdraft charges. Behavior should reflect and appreciate for what is in the best interest of the bank and its shareholders.
- Quality of Work- Show consistent quality and detail in credit analysis, communication of salient facts to Market President, Chief Credit Officer, and Loan Committee (both verbal and oral), gather complete and adequate facts and information needed from customers, be inquisitive and dig for real reasons behind customers actions/requests, meet deadlines as assigned/. Stay abreast of and comply with all relevant industry rules, regulatory guidance/orders, statutes, and policies.
- Credit Quality- Maintain acceptably low level of past dues, classified credits and charge offs. Communicate potential credit downgrades in a timely and effective manner, keep documentation exceptions (credit and collateral) within acceptable ranges.
- Interpersonal Skills/Cooperation- Show cooperative spirit and positive, can-do attitude in all interpersonal relationships with supervisors, coworkers, and subordinates. Contribute to a professional working environment with respect for individual personalities and roles. Communicate problems/concerns in a respectful and constructive way. Respect and obey rules, act in ethical and principled manner and in harmony with all bank rules, policies, procedures, and expectations.
- Other Duties as assigned by Supervisor
- Employee is responsible for understanding and following the applicable laws and regulations for their job responsibilities including but not limited to Equity Bank Business Ethic and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity reporting requirements.
Goals-
In order to meet budget expectations, New Loan Production, Deposit Growth Production, and Fee Income Production must occur.
Loan Growth Individual:
Fee Income Growth Individual:
Deposit Growth Individual NIB:
Regulatory Compliance-
Adhere to all regulations and bank policies.
Community Involvement-
Serve on and participate in Civic Groups. Be visible in Community and portray a positive image.
Required Skills & Education
Bachelor’s Degree, or equivalent experience, required. Emphasis on Business, Finance or Accounting preferred
Five years of banking commercial lending experience
Excellent interpersonal, negotiation, presentation, oral and written communication skills.
Strong independent thinking and decision making skills.
Ability to build and maintain effective working relationships at all levels.
Strong work ethic.
The above statements are intended to generally describe the nature and level of work to be performed by most people assigned to this job. It is not intended as an exhaustive list of all responsibilities, duties, and requirements.
Physical Requirements
This position requires standing, walking, bending, and squatting on a regular basis. May require the ability to stoop, kneel, crouch or reach with hands and arms. Requires the ability to carry, lift, move or push up to 10 pounds on an occasional basis. Must be able to talk and listen to others. Frequently uses hands and fingers to handle or feel. Requires ability to see up close and distant, distinguish colors, peripheral vision, depth perception and the ability to adjust focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Work Environment
This position regularly works in an office setting. Most of the job duties require the employee to be working with computers and electronic media on a regular basis.
Equity Bank is an equal opportunity employer and will not make employment decisions based on an applicant’s race or skin color, national origin or ethnicity, religious beliefs, age, sex, physical or mental ability.
Salary : $36,900 - $46,700
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