Description

The Senior Lending Officer is accountable for achieving commercial production goals, financial performance, market growth and customer satisfaction for the bank. Directs the market sales initiatives and community involvement. Ensure team adherence to bank policies, procedures, objectives, and practices. Relies on experience and judgment to plan and accomplish goals.

STATEMENT OF EXPECTATIONS

Chickasaw Community Bank (CCB) expects all employees to comply with the responsibilities of their assigned position to the highest degree of performance. Expectations include but are not limited to:

• Adhere to the bank’s policies and support management decisions and goals in a positive, professional manner
• Represent CCB with a high level of integrity and professionalism
• Maintain knowledge and understanding of banking rules, regulations, laws, and all policies and procedures
• Knowledge of applicable bank software, programs, and procedures
• Demonstrate a willingness to adapt to changing business needs and deadlines
• Possess a work ethic that includes neatness and punctuality
• Exhibit a professional, business-like appearance, and demeanor
• Answer all voicemails and emails within 24 hours of receipt
• Confer with management concerning questions, procedures, necessary information, forms completion, and problem resolutions
• Complete and attend all required CCB training
• Maintain satisfactory attendance
• Follow established policies, systems and controls to ensure compliance with regulatory laws, guidance and internal policies
• Develops and promotes a culture of compliance

ESSENTIAL FUNCTIONS

• Manages a team of employee(s) including hiring, training and employee development and performance management
• Update the bank’s Business Continuity Plan (BCP) immediately as changes occur
• Executing the corporate business plan.
• Responsible for establishing sales goals and strategies, and periodically assessing performance against set goals.
• Responsible for staff hiring, development, coaching, performance management, recognition, and disciplinary actions.
• Representing the bank in the community by attending and supporting various community causes and activities.
• Planning and implementing local marketing activities to achieve corporate goals.
• Leading a community board to help achieve the bank's goals.
• Collaborating with product group associates to enhance client relationships.
• Responsible for the management of a staff comprised of various financial professionals.
• Responsible for customer recruitment, interaction, and retention.
• Responsible for independently managing a portfolio of business clients and is accountable for net client growth, risk management effectiveness, customer service and profitability. Ability to identify loan, deposits and fee income.
• Conduct interviews with customers to establish financial needs emphasizing financial counseling and lending, and process requests or will make appropriate referrals.
• Analyze credit and financial information for customers.
• Demonstrate sound judgment in decision making, abiding appropriately to established guidelines and procedures.
• Has the authority to approve or deny accounts.
• Lender is responsible at all times for the maintenance of the portfolio’s credit quality. This includes the proactive, early identification of deteriorating credits and the ongoing management of problem loans that remain in the portfolio.
• Ensure appropriate risk management and credit quality is meeting expectations with the assigned markets.
• Responsible for submission of the Commercial Lending budget for approval and the annual performance of Commercial Lending Department compared to budget.
• Responsible for overall production and profitability of the Commercial Lending Department.

ADDITIONAL RESPONSIBILITIES

• Perform other duties as assigned.
• Serve on various bank committees.
• Chair or Vice-Chair loan committees.
• Report to Board of Directors on monthly performance of market.

Qualifications

PHYSICAL ACTIVITIES REQUIRED TO PERFORM ESSENTIAL FUNCTIONS

This work is sedentary and requires the following physical activities:

• Sitting for long periods of time; occasional bending, squatting, kneeling, stooping; good finger dexterity and feeling; frequent repetitive motions; talking, hearing, and visual acuity.
• Frequent lifting (up to 10 pounds of paper supplies or minor office equipment).

NOTE: The above statements are intended to describe the general nature and level of work performed by an employee in this position. These statements are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of employees in this position.

ENVIRONMENT AND INTERACTION

Normal work environment.

• Reports To: Chief Executive Officer 

PROFICIENCIES

• Budget Forecasting: develops models or projections based on studying past results, relationships and data and anticipating future trends/events for purpose of departmental budgeting.
• Budget Formulation: analyzes, complies and summarizes probable financial income and expenditures within department.
• Business Alignment: aligns the direction, products, services and performance of employees with the bank as a whole.
• Interviewing and Hiring: asks questions in a way that enhances the clarity, quality and reliability of information, able to make sound judgment in hiring selections.
• Relationship Building & Teamwork: builds constructive working relationships characterized by a high level of acceptance, cooperation and mutual respect, diplomatically handles challenge or tense interpersonal situations.
• Empowering Others: ability to convey confidence in employees’ abilities to be successful, especially with new and challenging tasks; can allow employees freedom to decide how they will accomplish their goals and resolve issues.
• Developing Others & Coaching: willingness to delegate responsibility, work with others and coach to develop the capabilities of employees, enables employees to grow and succeed through feedback, instruction and encouragement.

• Good 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.
• Basic word processing and computer database skills.
• Ability to learn and navigate computer systems and websites necessary to complete job description and other duties as assigned.
• Effective interpersonal skills with the ability to 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.
• Ability to work accurately with close attention to detail.
• Ability to maintain confidentiality of sensitive information.
• Ability to study and apply new information.
• Ability to learn products, services and procedures quickly and accurately; explain concepts clearly to customers.
• Ability to establish credibility and rapport, be friendly and personable and look for ways to benefit the customer.
• Excellent customer contact skills; comfortable asking questions/interviewing customers about their financial situation; strong listening skills.
• Understand how to present features and benefits of products and services to customer’s needs.
• Must be self-motivated, assertive, and perform well in a team environment.
• Must be organized and maintain a positive demeanor in all situations.
• Excellent demonstrated positive leadership skills required.

EDUCATION AND EXPERIENCE

• High school diploma or equivalent.
• Bachelor’s Degree in Business, Finance or other related field required.
• A minimum of 10 years of banking experience.