VisionBank
  • 05-Feb-2022 to Until Filled (CST)
  • Commercial Lending
  • Ogden, IA, USA
  • Salary
  • Full Time

Full Benefits Package and Incentive Compensation Plan


Summary As the senior person in the market, this individual manages the community bank office, and is responsible for all aspects of ag/commercial lending activity. Directs business development, staff development, customer satisfaction, community leadership, promotes corporate culture, goals, and objectives. Assists bank President/CEO in corporate planning for market to set mutually agreed upon market position growth and profitability targets. As a member of the bank management team, is expected to be a leader in promoting high morale, in exhibiting positive attitudes toward customers and with fellow employees, instilling a sense of team spirit, and support company initiatives.

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

  1. Creates and maintains a sales and referral focus to include the delivery of all products and services to customers. Direct and oversee the function to ensure that the goals and objectives are achieved.
  2. Ensures effective day to day operation of the market including compliance with regulations, effective service, and profitable operations within budgetary guidelines.
  3. Works closely with Administration to ensure effective delivery of banking services to the bank's customers
  4. Directs and oversees the Ag/Commercial Lending function for the market to develop a high quality and profitable portfolio.
  5. Monitors market performance and provide input on pricing, target markets, and product mix for the respective market. Direct marketing efforts of subordinate staff to achieve market goals for loans and deposits.
  6. Interprets, directs, or implements bank policies and procedures in accordance with applicable state, federal, and local laws and regulations.
  7. Serves on bank committees as directed.
  8. Identifies needs and assist with correcting problems in areas such as operations, Human Resources, service delivery, compliance, etc.
  9. Provides leadership and participate in appropriate community/civic activities to enhance the bank's presence, image, and reputation in the community.
  10. Develops and maintains a high level of employee morale in the market.
  11. Exercises the usual authority in the management of assigned staff.
    1. Evaluate performance of immediate officers.
    2. Review subordinate recommendations/decisions on staff performance issues, salary issues, promotions, terminations, etc., in conjunction with Human Resources.
    3. Provide guidance, counseling, coaching, and motivation as necessary/appropriate.
    4. Develop personnel based on capacity, performance, initiative, and interest for future positions.
  12. Maintains a good working rapport with other (operational) departments to assure smooth workflow.
  13. Refers business to other functional areas as appropriate.
  14. Maximizes the sales of all company products and/or service either directly or through referrals.
  15. Accompanies staff on business development calls to generate new banking relationships, and to continually coach them on proper calling techniques.
  16. Works with Retail Manager and Marketing department to define localized marketing requirements in the defined market area complementing the centralized marketing efforts of the company as a whole. This would include defining a plan to develop a high profile for the market by whatever means may be appropriate for the area, including localized direct mail, local sponsorships of events, representation in community organizations, etc.
  17. Provides input and assists in the preparation of, and adherence to, annual budgets for activities conducted in the defined market area.
  18. Serves as Senior Lending Officer for the market portfolio; extending credit and servicing loans, generally the largest, most important and complex loans. Assumes overall responsibility for the market's loan portfolio, and C.R.A/Fair Lending compliance in conjunction with the other team members who oversee compliance areas.
  19. Adheres to all State and Federal Banking regulations.

Supervisory Responsibilities

Manages Commercial Banking Area for the designated Market; is responsible for the overall direction, coordination, and evaluation of these units; Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

Competencies

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

Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data; Designs work flows and procedures.

Design - Generates creative solutions; Translates concepts and information into images; Uses feedback to modify designs; Applies design principles; Demonstrates attention to detail.

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.

Project Management - Develops project plans; Coordinates projects; Communicates changes and progress; Completes projects on time and budget; Manages project team activities.

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; Varies writing style to meet needs; 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.

Visionary Leadership - Displays passion and optimism; Inspires respect and trust; Mobilizes others to fulfill the vision; Provides vision and inspiration to peers and subordinates

Change Management - Develops workable implementation plans; Communicates changes effectively; Builds commitment and overcomes resistance; Prepares and supports those affected by change; Monitors transition and evaluates results

Delegation - Delegates work assignments; Matches the responsibility to the person; Gives authority to work independently; Sets expectations and monitors delegated activities; Provides recognition for results

Leadership - Exhibits confidence in self and others; Inspires and motivates others to perform well; Effectively influences actions and opinions of others; 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 - Works within approved budget; 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 - Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Identifies external threats and opportunities; 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; Organizes or schedules other people and their tasks; Develops realistic action plans.

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.

Innovation - Displays original thinking and creativity; Meets challenges with resourcefulness; Generates suggestions for improving work; Develops innovative approaches and ideas; Presents ideas and information in a manner that gets others' attention.

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 a Bachelor's degree (B. A.) from four-year college or university. Must have at least seven years related diversified bank management experience and/or training.

Knowledge of federal and state banking regulations, bank policies and procedures, bank operations, products, and services, lending function, ag/commercial credit analysis, human resources management policies and procedures, and compliance regulations and guidelines.

Prefer to have completed Graduate School of Banking.

Language Skills

Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Mathematical Skills

Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

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 commercial loan spread software and Microsoft Office Suite (outlook, word, excel, power point, etc.). Prefer experience with Fiserv and Suntell.

Other Qualifications

  • Must be able to travel to all bank locations using own transportation.
  • Must be available for calls and alerts outside of normal business hours

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 sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to walk. The employee is occasionally required to stand; 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, color vision, peripheral vision and depth perception.

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 moderate.

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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