Benefits:

401(k) matching

Health insurance

Paid time off

Position Summary:

Works directly with Business Bankers, Loan Specialists and other Credit Analysts to facilitate loan pipeline and provide efficiencies. Prepares credit presentations and annual reviews. Prepares loan related reports as assigned.

Duties and Responsibilities

Uploads, scans and tracks documentation including insurance, credit and exceptions. Reviews new notes and corresponds with officers and agents.

Completes preparatory work on credit presentations as assigned. Works directly with the borrower to obtain additional information when necessary. Assists Business Bankers in identifying cross-selling opportunities on credit presentations.

Completes annual reviews on all credit relationships as assigned, including a complete analysis of annual financial statements, collateral evaluation, payment history, risk rating review and any adverse industry or economic changes.

Prepares all tracking reports, non-accrual/charge off forms, and past due monitoring reports; reviews with Chief Credit Officer prior to submission to Business Bankers.

Participate in special projects or assignments as necessary.

Perform other duties as required to fulfill the responsibilities of the position.

Follow procedures and policies that ensure compliance with not only Bank policies and procedures, but also all applicable federal and state banking regulatory agency policies.

Comply with bank standards for attendance and hours of work.

Qualifications

Education/Experience:

Bachelor’s degree from four-year college or university and/or relevant industry experience

Skills and Abilities:

Adaptability:

Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations.

Attention to Detail:

Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.

Change Management:

Must embrace change and see change as opportunity. Must be willing to express and support management's ideas to affected staff.

Customer Orientation:

Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty.

Oral/Written Communication:

The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.

Professionalism:

· Project a positive image of the bank to all internal and external customers.

Time Management:

· Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.

Team Player:

· Must view oneself as part of an overall team. This includes supporting others throughout the entire bank to achieve the overall goals of the bank.

Working Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Travel:

Valid driver’s license required for travel to Bank offices, training sessions, customer meetings, Bank and community meetings, etc.

Physical Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This job description in no way states or implies that these are the only duties to be performed by the employee occupying this position. Employees may be required to follow other job-related instructions and to perform other job-related duties as requested, subject to all applicable state and federal laws. Certain job functions described herein may be subjected to possible modification in accordance with applicable state and federal laws. There are different experiences that suggest other ways or circumstances where reasonable changes or accommodations are appropriate. All activities, demands, conditions, and requirements are linked to duties and responsibilities.

Job Description subject to change at any time at the discretion of management.