Copy of Small Business Lender na Farmers State Bank

Description

Department: Lending

Reports to: EVP, Chief Business Development Officer

Supervises: None, unless delegated by EVP, Chief Business Development Officer

Grade: 7

Summary: To develop and manage small business accounts which meet established lending requirements and which provide maximum profitability to the Bank with a minimum amount of risk.

Essential Job Functions:

Participates in the bank’s training program for Commercial and Agricultural lending. This will include:

• Attending various external training and schools.
• Working in various departments for extended periods of time, to become knowledgeable in commercial credit, financial analytical spreads and documentation.
• Shadowing other lenders.
• Learning how to develop new business.
• Interview loan applicants, collect and analyze financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan request.
• Learn how to negotiate the terms under which credit will be extended, including the costs, repayment method and schedule and collateral requirements.
• Collect and analyze information which reflects the current credit worthiness of customers and the current merits of existing loans.
• Monitors loan repayment activities and takes necessary action to collect from past due accounts.
• Develops material for Loan Committee and/or the Board of Directors where required.
• Participates in community affairs to increase the bank’s visibility and to enhance new business opportunities.
• Assists other members of the loan department and filling in when needed.
• Acts as a resource to other lenders.
• Other duties as assigned.

Physical Demands and Work Environment:

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

While performing the essential job functions of this position, the employee is regularly required to sit, stand, talk, hear, walk, use hands and fingers, handle or feel objects, and reach with hands and arms. This position requires regular use of a computer. The employee must be able to travel between branch locations on a regular basis. The noise level in the work environment is usually light to moderate.

Requirements

Job Requirements:

• Solid written and verbal communication skills.
• Ability to analyze financials and other legal/business documents.
• Sales ability and/or training.