What are the responsibilities and job description for the Commercial Lending Officer IV (exempt), Commercial Lending position at Central Bank & Trust Co?
Equal Opportunity Employer Minorities / Women / Protected Veterans / Disabled
JOB SUMMARY :
Develops and manages a commercial banking relationship within the established policies of the Bank.
LEVEL DIFFERENTIATION :
Works primarily from one of the Bank’s urban market areas (Lexington, Louisville, Northern Kentucky) and has a minimum of 5 years commercial lending experience in an urban market with proven record of handling complex commercial loans and high levels of commercial loan production.
EDUCATION / EXPERIENCE REQUIRED :
Bachelor’s or Associate’s Degree in finance, accounting or related area and experience noted above.
QUALIFICATIONS / SKILLS REQUIRED :
- Good computer skills, with a working knowledge of WORD, Capital Stream, EnAct, Appro and Excel.
- Excellent verbal and written communication skills
- Proven strength in credit analysis, problem solving, negotiation, business development, organization, time management, interpersonal skills and customer service.
ESSENTIAL JOB DUTIES AND RESPONSIBILITIES :
1. Maintains and manages a commercial loan portfolio for operating companies and the key individuals within those companies to include : receipt of loan request, evaluation of financial statements, structuring loan with respect to rate, term and collateral to remain competitive and maximize profit, cross-sell other bank services, and monitor repayment activity to keep past due accounts under control in accordance with the established policies of the Bank.
2. Develops and manages commercial deposit accounts and personal deposit accounts in a manner that will provide the bank with maximum profitability.
3. Represents the bank on various civic boards and in community activities. Makes presentations to schools and civic groups on lending-related topics. Participates in bank programs for college interns, EBCE students and shadowing.
4. Assists in the preparation of the departmental budget.
5. Develops and maintains an active prospect base for solicitation purposes in order to expand the existing loan and deposit base.
6. Actively participates in the Officer Call and Sales Integration Programs to develop new lending and / or deposit relationships for the bank.
7. Assists in the development of intermediate goals and long term objectives for the Commercial Lending area.
8. Performs other duties as assigned.
BENEFITS :
