Commercial Lending Officer IV (exempt), Commercial Lending

About the role

Develops and manages a commercial banking relationship within the established policies of the Bank. Works primarily from one of the Bank’s urban market areas (Lexington, Louisville, Northern Kentucky) and requires a minimum of 5 years commercial lending experience in an urban market with a proven record of handling complex commercial loans and high levels of commercial loan production.

Requirements

• Bachelor’s or Associate’s Degree in finance, accounting or related area
• Minimum of 5 years commercial lending experience in an urban market

Skills

• 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

Responsibilities

• Maintains and manages a commercial loan portfolio for operating companies and key individuals, including:
  • Receipt of loan request
  • Evaluation of financial statements
  • Structuring loans with respect to rate, term, and collateral to remain competitive and maximize profit
  • Cross-selling other bank services
  • Monitoring repayment activity to keep past due accounts under control
• Develops and manages commercial and personal deposit accounts to provide 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 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
• Assists in the development of intermediate goals and long-term objectives for the Commercial Lending area
• Performs other duties as assigned

Benefits

• Health Insurance
• Dental Insurance
• Vision Insurance
• Paid Vacation
• Paid Holidays
• Employee Stock Ownership Plan
• 401k Plan
• Flexible Benefit Plan
• Voluntary Life Insurance
• AD&D Insurance
• Discounted Banking Services
• EAP (Free counseling sessions)
• Discounted AAA Membership
• Fitness Discounts
• Vacation Purchase Plan
• Interest-Free Computer Loan
• Interest-Free Fitness Equipment Loan
• Service Awards
• Attendance Awards
• Funeral Leave
• Subsidized Parking (Downtown)
• Sick Leave
• Educational Assistance Program
• Employee Wellness Program
• Dell Computer Discount
• Discounted Tickets
• Cell Phone Discount
• Jeans days to benefit local charities
• Paid Identity Theft Protection
• New Hire Incentive (for hourly employees)
• Personal Day
• Birthday Holiday
• Wedding Days
• Appointment Time
• Long Term Disability
• Life Insurance (2x salary)