What are the responsibilities and job description for the SVP Area Executive position at AmeriServ Financial Bank?
Summary Objective
Responsible for providing leadership in support of a relationship-based sales and service culture within assigned markets that delivers comprehensive financial solutions for the customer. Facilitates the development, implementation, and coordination of the above relationship management initiatives.
Manage portfolio growth and deliver quality customer service within the Commercial Banking Unit and work closely with all departments within the bank to effectively implement relationship management strategies. Properly administer policy, internal controls and monitor external regulatory requirements to ensure credit quality. Effectively implement Human Resource policies and support the development and performance of the staff.
Essential Functions
Supervisory Responsibility
This position requires supervision of employee(s).
Work Environment
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
Physical Demands
The employee is frequently required to: 1) Type or otherwise work with fingers; 2) Talk expressing or exchanging ideas by means of the spoken word. Those activities in which they must convey detailed or important spoken instructions to other workers or clients accurately, loudly, or quickly; 3) Hearing – perceiving the nature of sounds at normal speaking levels with/without correction. Ability to receive detailed information through oral communication and make the discriminations in sound; 4) Specific vision abilities required by this job include: viewing a computer monitor; extensive reading.
Sedentary work may require occasionally lifting of up to 10 pounds and/or move up to 25 pounds. This work involves sitting most of the time with walking and sitting.
Travel
No travel is required for this position except for possible training and/or conferences.
Competencies
Minimum of a bachelor’s degree in Management, Accounting or Finance. At least ten (10) years experience in credit, loan underwriting and lending functions. Experience in retail lending, residential lending, commercial and commercial real estate lending. Communication, analytical and interpersonal skills are required.
Responsible for providing leadership in support of a relationship-based sales and service culture within assigned markets that delivers comprehensive financial solutions for the customer. Facilitates the development, implementation, and coordination of the above relationship management initiatives.
Manage portfolio growth and deliver quality customer service within the Commercial Banking Unit and work closely with all departments within the bank to effectively implement relationship management strategies. Properly administer policy, internal controls and monitor external regulatory requirements to ensure credit quality. Effectively implement Human Resource policies and support the development and performance of the staff.
Essential Functions
- Promote a comprehensive Relationship Management culture that achieves established income and growth goals.
- Foster teamwork, communication and work closely with other departments to expand overall customer relationships.
- Analyze and reinforce processes that drive a sales and service environment, including referrals, profiling, coaching, joint calls, and product knowledge skills.
- Assist in the development of training initiatives that strengthen individual sales skills.
- Establish goals that support relationship management activities and methods to measure, track and reward results.
- Promotes the use of the internal sales management system (Sales Tracker) to track and update new business opportunities, maintain customer profiles, and record calls.
- Conduct and participate in regularly scheduled sales and service meetings that identify relationship opportunities, formulate action plans, and provide recommendations on methods to improve performance.
- Monitor the delivery of quality customer service through assessment techniques and initiate corrective actions and alternative procedures as needed.
- Participate in the identification of critical market segments and appropriate deliver strategies.
- Profitably expand relationships within the commercial services loan portfolio.
- Support all aspects of relationship management including conducting regular sales meetings, coaching sessions, profiling, business development calls and documenting calling effort.
- Achieve established business development goals, including new loan production, deposits, fees, and product referrals.
- Provide guidance and direction on structuring, pricing, negotiating, and servicing commercial credits.
- Reinforce standards to support quality customer service and retain commercial relationships.
- Promote strong product knowledge skills.
- Assures effective implementation of portfolio management objectives to promote efficiency and assess risk.
- Assists in developing and administering policies and procedures.
- Ensures compliance with appropriate federal, state and agency regulations and laws.
- Reviews loans by Relationship Managers for adherence to lending objectives, structure, pricing, policy and procedures.
- Manages department workflow including underwriting, credit analysis process and risk rating assignments.
- Establishes and adheres to the necessary internal controls to properly service the portfolio and maintain credit quality.
- Supports compliance with the information monitoring process that includes financial statement tracking, covenant compliance, collateral values, and documentation exceptions.
- Identifies problem credits, actively monitors delinquency, and initiates corrective action on loan exceptions.
- Assumes primary responsibility as the lead person for an identified geographic market.
- Serves as the senior representative for the Bank in the identified market.
- Directly oversees and coordinates our media, public, and community relations utilizing support and guidance from the Marketing Department.
- Lead the representative group of professionals from each of the business specialty groups with presence in the markets in the collaborative effort to formulate a comprehensive strategic and tactical marketing plan and serve as the champion for execution of that plan.
- Coordinate the Bank’s image and community involvement for the identified market.
- Perform other duties as assigned.
Supervisory Responsibility
This position requires supervision of employee(s).
Work Environment
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
Physical Demands
The employee is frequently required to: 1) Type or otherwise work with fingers; 2) Talk expressing or exchanging ideas by means of the spoken word. Those activities in which they must convey detailed or important spoken instructions to other workers or clients accurately, loudly, or quickly; 3) Hearing – perceiving the nature of sounds at normal speaking levels with/without correction. Ability to receive detailed information through oral communication and make the discriminations in sound; 4) Specific vision abilities required by this job include: viewing a computer monitor; extensive reading.
Sedentary work may require occasionally lifting of up to 10 pounds and/or move up to 25 pounds. This work involves sitting most of the time with walking and sitting.
Travel
No travel is required for this position except for possible training and/or conferences.
Competencies
- Communication Proficiency (Verbal and Written)
- Strong Computer Skills (Word and Excel)
- Detail Oriented
- Analytical Skills
- Organizational Skills
- Deadline Oriented
- Ethical Conduct
Minimum of a bachelor’s degree in Management, Accounting or Finance. At least ten (10) years experience in credit, loan underwriting and lending functions. Experience in retail lending, residential lending, commercial and commercial real estate lending. Communication, analytical and interpersonal skills are required.
