RESPONSIBILITIES

• Assist with the management of the budget to ensure that deposit, loan and net income goals are met.
• Attract new loan and deposit relationships through a combination of cold calling, personal networking and attending various social/business events in the community.
• Assist in properly following and implementing all Bank audit procedures.

• Assist with the management of the sales and service efforts to ensure retention of existing relationships and growth of new relationships.
• Manage personal sales efforts in order to meet goals.

• Requests specified financial information for loan application.
• Analyzes applicant’s financial status, credit, and property evaluation to determine feasibility of granting loan.
• Interviews applicants to obtain corporate history and to resolve questions regarding application information.
• Negotiates structure and pricing of credit facilities.
• Presents credits for approval.
• Ensures loan agreements are complete and accurate according to policy.
• Analyzes potential markets to develop prospects for loans and deposits.
• Monitors borrowers' financial condition for compliance with loan covenants.
• Maintains and services existing portfolio.
• Maintains delinquencies and classified loans at a minimum.
• Act as Bank representative at civic and/or industry meetings or functions.

QUALIFICATIONS

• Bachelor's degree or 5+ years related experience
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
• Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
• The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job.
• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.

To be qualified for the position, please provide your resume.