About this role
Additional Considerations (if any):
- At Midwest Heritage, the core of our culture is taking care of the customer and taking care of each other. Our employees appreciate that their contributions make a direct impact on the success of our business as well as their own personal and professional growth. Midwest Heritage Bank
Job Title: Vice President, Commercial Lender
Department: Banking
FLSA: Exempt
General Function
The Vice President Commercial Lender is responsible for business development and relationship management of basic to the most complex credits to solicit and originate agricultural and/or commercial business. Position consists of managing asset quality of Commercial portfolios, retention and overall relationship management of business banking.
Core Competencies
• Customer Service
• Professionalism
• Sales
• Networking and relationship building
• Loan Knowledge
Reporting Relations
Accountable and Reports to: EVP, Senior Lender
Positions that Report to you: None
Primary Duties and Responsibilities:
• Responsible for meeting or exceeding loan, fee, and deposit production goals.
• Ensure loan and deposit portfolio is in compliance with all legal and regulatory requirements to maximize profitability of the organization while minimizing risk.
• Prepare and present basic to the most complex credits, including write-ups. This will include analyzing financial and related data, summary of credit risks, identification of loan policy exceptions, proposed improvements to loan structure, and assessment of the loan rating.
• Develops key relationships in the market by promoting a positive image of Midwest Heritage in the community through active participation in professional and civic group activities.
• Provide loan operations the needed information in a timely manner to ensure credit files are up to date and in compliance as measured by technical exception report (tickler).
• Build additional relationships across Midwest Heritage banking (deposit, mortgage, etc.), financial and insurance services, to existing and potential commercial customers.
• Actively participates in the strategic planning, development and marketing of Ag and/or commercial loan programs including developing pricing strategies and completing assigned projects. Analyzes and monitors various industries, market trends, economic risks and other related factors to identify local agricultural and/or business development and service opportunities.
• Evaluate and monitor various industries, market trends, economic risks, and other related factors and make recommendations to lender and/or loan committee including ways to improve risk management processes.
• Mentors, trains and assists less experienced peers on complex credits.
Knowledge, Skills, Abilities, and Worker Characteristics:
• Commitment to the Midwest Heritage mission and willingness to promote the values of the organization.
• Strong organizational and time management skills with the ability to prioritize multiple tasks and meet deadlines.
• Proficient computer skills. Microsoft Office preferred (Outlook, Power Point, Excel and Word).
• Good verbal and written communication skills.
• Strong interpersonal skills; ability to relate to and interact with people in a friendly, professional manner.
• Strong detail orientation including the ability to review forms for accuracy and completeness.
Education and Experience:
• Bachelor’s Degree in Finance, Business or related field with a minimum of 7+ year’s commercial lending experience.
• Must have valid driver’s license and meet requirement for use of company vehicle.
Physical Requirements:
• This position is classified sedentary/light and requires the ability to sit for long periods of time.
• Visual requirements include: ability to see detail at near range with or without correction.
• Must be able to perform the following physical activities: sitting for long periods, talking (in person and by telephone), hearing and repetitive motions.
Working Conditions:
• The duties of this position are normally performed in a general office setting. This is a fast paced work environment.
• There is frequent pressure to meet deadlines and handle multiple projects in a day.
Equipment Used to Perform Job:
Computer (PC with Microsoft Office programs), telephone, calculator, telephone, copier, fax, and printer.
Contacts:
This position works with Midwest Heritage employees, customers, Hy-Vee employees, vendors and outside agents doing direct business with Midwest Heritage.
Confidentiality:
This position has the responsibility to protect the privacy and confidentiality of customers, employees and bank/insurance/financial information at all times.