Market President - Blanco, TX

Position Summary

The Market President is responsible for overseeing all phases of the market location, to include providing leadership, direction, public representation, and guidance of the company's operations, lending programs, other products and services. Responsible for development and maintenance of commercial loan portfolios, with the goal of providing maximum profitability with minimum risk. Accountable for coordination of individual deposit development activities and strategies that promote core deposit growth by attracting new business and building multiple relationships with existing customers. The Market President reports directly to the President and works regularly with Executive Management to report and discuss financial and operational results of the branch office.

Principal Duties and Responsibilities

• Developing and implementing a business plan to ensure the bank meets key goals in the key performance areas of : loan growth, deposit growth, non-interest income growth, non-interest expense control and pre-tax profit attainment.
• Developing and maintaining key business relationships with local government officials, civic leaders, City Advisory Board members, business leaders, current customers and prospects. Effectively interface with bank personnel such as bank loan administrator, lenders and bank administrators. The Market President also represents the bank at various civic and business functions, serving in leadership capacities on civic and non-profit boards.
• Gaining and maintaining comprehensive knowledge of the area economy, influential people, history and culture.
• Managing the staff of employees by recommending staffing levels, selecting and training employees, establishing job responsibilities and performance standards, administering compensation programs and managing staff performance consistent with bank policy and sound management practices.
• Supporting and growing the commercial banking business by actively prospecting for new business, leading / participating in the credit structuring, pricing and approval processes and supporting commercial relationship managers whenever possible.
• Managing expenses by monitoring the annual budget, approving budgeted expenditures, tracking expenses and adjusting where appropriate and promoting fiscal responsibility among the staff.
• Addressing and solving individual and systemic problems.
• Serving on or leading various task force or groups as required.
• Ensures applicable lending policies and procedures are followed. Responsible for adherence to applicable compliance regulations.
• Responsible for handling early detection and identification of past due accounts. Responsible for credit quality of individual portfolios.
• Maintain a working understanding of all financial products and services with primary focus being commercial and small business relationships.
• Increase the deposit and loan base of the local office based on goals established by bank management.
• Proactively call on local customers to increase the level of financial products and services used by these customers.
• Proactively promote and solicit new customers through in-person contacts, telephone calls and appreciation calls.
• Ensure customers' needs are met, that exceptional quality customer service is achieved, and that employees perform in an effective manner.
• Manage a portfolio of larger and more sensitive loan relationships.
• Lending and supervision of lenders and all lending functions of the branch.
• Regular meeting with officers and key staff, communication of policies and goals, delegation of daily office responsibilities.

Other Responsibilities

Qualifications, Education and Experience Requirements