Description
Oversee small business and consumer loan departments, taking responsibility for efficient credit administration, lending operations, and relationship management.
Classification: Full-Time FLSA Status: Exempt Department: Lending
STATEMENT OF EXPECTATIONS
Community Bank expects all employees to comply with the responsibilities of their assigned position to the highest degree of performance by:
- Adhering to the Company’s policies and supporting Management decisions and goals in a positive, professional manner.
- Representing Community Bank with a high level of integrity and professionalism.
- Maintaining knowledge and understanding of banking rules, regulations, laws and all policies and procedures pertaining to them including, but not limited to, the Bank Secrecy Act.
- Demonstrating a willingness to adapt to changing business needs and deadlines.
- Possessing a work ethic that includes neatness and punctuality.
- Exhibiting a professional, business-like appearance and demeanor.
- Treating all individuals and groups with respect and dignity.
- Performing the essential functions of their job safely, without endangering the health and safety of themselves or others.
Requirements
Essential Functions
- Supervise business loan underwriters, promoting positive leadership and direction for their development and providing a resource for various credit administration, lending structures, and relationship management issues.
- Supervise consumer lenders/underwriters for loan organization, filing, maintenance, and loan servicing.
- Act as program administrator for loan underwriting software.
- Provide feedback to Senior Management on employee performance.
- Promote and market the Bank by participating in various community organizations and events.
- Analyze and process loan requests and make loan decisions within established limits.
- Review loan requests submitted by loan officers as required by loan policies, which may include making recommendations to the CCO, President, Board, and Loan Committee.
- Maintain frequent contact with branch lending staff.
- Attend continuing education classes and/or training sessions as required.
- Responsible for completing Digital University and all other training courses as assigned.
Additional responsibilities
- Maintain current employee information in the Disaster Recovery Plan for direct reports.
- Review employee time cards, edit, correct and approve each pay period; monitor employee leave time to insure it is being used according to company policy; notify Human Resources when an employee requests, or may require, an extended leave of absence (such as FMLA); conduct performance reviews; prepare disciplinary documentation when appropriate; and complete the necessary paperwork and process when hiring or terminating an employee.
- Perform other duties as assigned.
Environment and Interaction
Work areas are inside, in a climate-controlled environment, with moderate background noise. Position may involve exposure to potentially hazardous conditions (e.g., robbery).
- Reports To: Chief Credit Officer
- Supervises: Business Loan Underwriters, Consumer Loan Underwriters, and Credit Analysts
MATERIAL AND EQUIPMENT USED:
Computer, Fax Machine, Copier, Printer, Typewriter, E-Mail, Telephone, Voice Mail, General Office Supplies, Automobile
Physical Activities Required to Perform Essential Functions
Sitting/Mobility: Approximately 90% of time is spent working at a desk. Balance of time (approximately 10%) is spent moving around work areas.
Communication: Ability to effectively communicate with co-workers, clients and outside agencies in writing, in person and over the phone.
Vision: Ability to effectively use a computer screen and interpret printed materials, memos and other appropriate paperwork.
Lifting/Carrying: Ability to transport files and supplies.
Stooping/Kneeling: Ability to access files and supplies.
Reaching/Handling: Ability to input information into computer systems and retrieve and work with appropriate paperwork, equipment and supplies.
Proficiencies
- Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phone.
- Solid word processing and computer database skills.
- Good interpersonal skills with the ability to effectively work with individuals and groups at all organization levels; ability to work independently and as part of a team.
- Ability to take initiative and prioritize tasks; good time-management, organizational, problem-prevention and problem-solving skills.
- Knowledge and understanding of banking rules, regulations, laws and all policies and procedures pertaining to them including but not limited to the Bank Secrecy Act.
- Strong analytical ability with active listening skills.
- Ability to work accurately with close attention to detail.
- Ability to maintain confidentiality of sensitive information.
- Ability to work accurately with close attention to detail.
- Ability to maintain confidentiality of sensitive information.
- Ability to study and apply new information.
Education and Experience
- Bachelor’s degree in Business Administration, Accounting, Finance, or equivalent related experience.
- At least five (5) years of business lending experience and five (5) years of supervisory experience, preferred.
- Experience using nCino lending platform preferred.
- Possess a valid driver’s license.
- Must be bondable.
COMPANY BENEFITS
- Comprehensive employee benefits, including: medical, dental, vision, LTD, and life insurance, HSA contribution
- Paid vacation, sick, plus federal holidays
- 401k with employer match
- Tuition reimbursement
- Employee stock/profit sharing plan