Commercial Lending Officer III (exempt), Louisville

Equal opportunity employer as to all protected groups, including protected veterans and individuals with disabilities JOB SUMMARY: Develops and manages a commercial banking relationship within the established policies of the Bank. LEVEL DIFFERENTIATION: Either works: Primarily from one of the Bank’s urban market areas (Lexington, Louisville, Northern Kentucky) with 3+ years’ commercial lending experience in an urban market and has demonstrated ability to grow own commercial loan production; or Within a rural market with 5+ years’ direct small business and/or commercial lending experience and has proven him/herself as a high-level commercial loan producer. EDUCATION/EXPERIENCE REQUIRED: Bachelor’s or associate degree in finance, accounting or related area and experience noted above. QUALIFICATIONS/SKILLS REQUIRED: Good computer skills with a working knowledge of Word and ExcelEffective working knowledge of and experience with lending software applicationsExcellent verbal and written communication skillsProven strength in credit analysis, problem solving, negotiation, business development, organization, time management, interpersonal skills and customer service ESSENTIAL JOB DUTIES AND RESPONSIBILITIES: 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. Develops and manages commercial deposit accounts and personal deposit accounts in a manner that will provide the bank with maximum profitability.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.Assists in the preparation of the departmental budget.Develops and maintains an active prospect base for solicitation purposes in order to expand the existing loan and deposit base.Actively participates in the Officer Call and Sales Integration Programs to develop new lending and/or deposit relationships for the bank.Assists in the development of intermediate goals and long term objectives for the Commercial Lending area.Performs other duties as assigned. BENEFITS: Health InsuranceDental InsuranceVision InsurancePaid VacationPaid HolidaysEmployee Stock Ownership Plan401k PlanFlexible Benefit PlanVoluntary Life InsuranceAD&D InsuranceDiscounted Banking ServicesEAP (Free counseling sessions)Discounted AAA MembershipFitness DiscountsVacation Purchase PlanInterest-Free Computer LoanInterest-Free Fitness Equipment LoanService AwardsAttendance AwardsFuneral LeaveSubsidized Parking (Downtown)Sick LeaveEducational Assistance ProgramEmployee Wellness ProgramDell Computer DiscountDiscounted TicketsCell Phone DiscountJeans days to benefit local charitiesPaid Identity Theft ProtectionNew Hire Incentive (for hourly employees)Personal DayBirthday HolidayWedding DaysAppointment TimeLong Term DisabilityLife Insurance (2x salary)