VisionBank
  • 18-May-2020 to Until Filled (CST)
  • Commercial Lending
  • Grimes, IA, USA
  • Salary
  • Full Time

Full Benefits Package


Summary Makes and services a variety of ag/commercial loans of moderate to large and secure and unsecured loans of moderate to high risk. Provides superior customer service and financial counsel to current customers to retain existing business. Identifies and solicits profitable business deposit and loan relationships in the bank's target market to develop new business that meet established lending requirements and maximize profitability to the bank with minimal risk. Provides portfolio maintenance and loan administration in accordance with bank loan policies.  

Essential Duties and Responsibilities include the following. Other duties may be assigned. 

1.  Initiates and implements effective and consistent business development calling programs to focus efforts on increasing and retaining existing business banking relationships.

  • Provides superior customer service and effectively handles problem resolution.
  • Maintains knowledge of ag/commercial banking products and services, as well as knowledge of the industries or market areas served.
  • Develops prospect list to identify sales opportunities within the bank's target markets and establishes and initiates ongoing calling programs to develop and grow customer base.
  • Calls on potential customers, identifies banking needs, secures financial data for analysis and makes proposals for new business.
  • Coordinates with customer service area to set up new accounts.
  • Reviews existing account relationship for opportunities to meet additional needs with other products or services, makes proposals as appropriate.
  • Makes sales calls in the calling program to achieve individually established goals.
  • Participates in civic and community activities to generate visibility and contact for bank.

2. Interviews applicants interested in obtaining moderate to large size ag/commercial loans. 

  • Gathers credit application information concerning business needs, desires, abilities, and earnings to determine loan needs.
  • Explains loan options, rates, terms, and collateral requirements.
  • Arranges loan decision and notification dates.
  • Negotiates and structures new and renewal ag/commercial lines of credit and loans.
  • Cross-sells applicable insurance and other bank related products and services associated with the loan.       

3.    Underwrites ag/commercial loans.

  • Orders credit reports, background checks, reference checks, obtains tax returns and financial statements from applicants, and requests other necessary documents for evaluation and analysis, as needed.
  • Prepares and analyzes debt service repayment ability.
  • Evaluates and determines credit-worthiness in accordance with bank credit policies.
  • Makes or coordinates and reviews on-site inspections of collateral as needed.
  • Compiles loan proposal information for presentation to loan committee.
  • Presents loans which exceed credit authority to the loan committee for recommendations and approval.

4.    Makes credit decisions to approve or decline loans within credit limits.

  •  Makes ag/commercial loans to customers within established credit limits.
  • Communicates credit decisions to loan applicants.
  • Negotiates credit terms and repayments schedules within established guidelines.
  • Initiates written notification of adverse action of all appropriate loans.
  • Orders necessary information to facilitate perfected security interest and other documentation as required.

5.    Schedules, coordinates, and conducts loan closings.

  •  Reviews loan documents with customers.
  • Obtains customers signature on loan documents.
  • Initiates the disbursement of loan proceeds.

6.    Manages loans within loan portfolio.

  •  Prepares letters pertinent to maintaining collateral documentation, financial statements and other lending activities.
  • Releases liens such as titles, mortgages, paid notes, etc.
  • Reviews for trend changes in customer portfolio before renewing credit.
  • Responsible for identification and evaluation of deteriorating loan situations in order to recognize charge-off loans early and manage credit to minimize losses.
  • Handles follow-ups, collections, or delinquent and problem loans as requested.
  • Works in concert with internal and external auditors and corporate credit review staff to ensure compliance with bank policies and procedures and federal and state regulations.

7.    Services loans in portfolio to retain high loan quality level.

  •  Monitors customer's financial condition, loan performance and repayment process. Takes appropriate corrective action as necessary.
  • Performs collateral review for all crop production lines and commercial lines of credit maintained.
  • Assists customers with preparation and review of crop budgets.
  • Corresponds with customers with delinquent accounts and counsels borrowers to bring accounts current. Provides guidance for customers seeking solutions to financial problems.
  • Conducts timely field inspections of collateral and inventory held by the bank.
  • Sends written notification to customer for loan renewals, rate adjustments, etc.

8.    May perform one or more of the following functions:

  •  Gather, evaluate, underwrite and close commercial loans within established credit authority limits.
  • Oversee processing of commercial loan documents and file maintenance.
  • Coordinate collection activities.
  • Provides direction to loan servicing, collection, loan administration support staff.
  • Participates in loan approval process.

9.    Adheres to all State and Federal Banking regulations.

 Supervisory Responsibilities                                              

No supervisory responsibilities with this position.

Competencies                                            

To perform the job successfully, an individual should demonstrate the following competencies: 

Analytical - Collects and researches data; Uses intuition and experience to complement data. 

Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics. 

Technical Skills - Assesses own strengths and weaknesses; Pursues training and development opportunities; Strives to continuously build knowledge and skills; Shares expertise with others. 

Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments. 

Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things. 

Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings. 

Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Presents numerical data effectively; Able to read and interpret written information. 

Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed. 

Leadership - Exhibits confidence in self and others; Inspires and motivates others to perform well; Accepts feedback from others; Gives appropriate recognition to others. 

Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness. 

Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals. 

Cost Consciousness - Develops and implements cost saving measures; Contributes to profits and revenue; Conserves organizational resources. 

Diversity - Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; Educates others on the value of diversity; Promotes a harassment-free environment; Builds a diverse workforce. 

Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values. 

Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity. 

Strategic Thinking - Understands organization's strengths & weaknesses; Analyzes market and competition; Adapts strategy to changing conditions. 

Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions. 

Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Takes calculated risks to accomplish goals. 

Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives. 

Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments. 

Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality. 

Quantity - Meets productivity standards; Completes work in timely manner; Strives to increase productivity; Works quickly. 

Safety and Security - Observes safety and security procedures; Determines appropriate action beyond guidelines; Reports potentially unsafe conditions; Uses equipment and materials properly. 

Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events. 

Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time. 

Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals; Completes tasks on time or notifies appropriate person with an alternate plan. 

Initiative - Volunteers readily; Undertakes self-development activities; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed. 

Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

Education and/or Experience                                           

Prefer Bachelor's degree (B. A.) from four-year college or university in a business related field and at least five years of commercial lending experience.  

Language Skills                                                     

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization. 

Mathematical Skills                                               

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. 

Reasoning Ability                                                  

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. 

Computer Skills                                                     

To perform this job successfully, an individual should have knowledge of Spreadsheet software and Word Processing software. Prefer experience with Loan software.  

Other Qualifications                                              

Must be able to travel to meet clients and to attend meetings at other locations using own transportation. Must have strong business development skills. 

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

While performing the duties of this Job, the employee is regularly required to use hands to finger or handle and talk or hear. The employee is frequently required to sit. The employee is occasionally required to stand; walk; climb or balance and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus. 

Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

The noise level in the work environment is usually quiet.

 

VisionBank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, medical conditions, sexual orientation, gender identity or expression, veteran and/or disability status.

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VisionBank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, medical conditions, sexual orientation, gender identity or expression, veteran and/or disability status.

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