Job Description
Job Details Job Location St Joseph North Belt - St Joseph, MO
Position Type Full Time
Description PRIMARY PURPOSE OF JOB Manage commercial credit relationships in addition to some consumer mortgage and auto loans. Create and maintain close relationships with all parties involved in loan transactions while facilitating sales through the structuring of creative and appealing loan products.
EXPECTATIONS OF ALL SOUTHERN BANK TEAM MEMBERS - Southern Bank team members are a family, rooted in the communities we serve and working together to be the best in our industry, utilizing innovative ideas and strong products. The Southern Bank Patch illustrates these ideals.
- Ensures the confidentiality of customer non-public personal information and secures information systems to comply with bank regulations.
ESSENTIAL FUNCTIONS AND PERFORMANCE AREAS - Manage commercial and consumer lending relationships;
- Serve as a market/branch leader in loan production;
- Direct and implement business development activities for both new and assigned loan relationships;
- Analyze loan request primarily related to the assigned lending portfolio;
- May be relied on a source of information for lesser qualified consumer lenders;
- Oversee and, as required, manage the collection and legal actions for various loan relationships in concert with the Special Assets Administrator, Chief Lending Officer, Regional President, Market President, and Community Bank President;
- Participate in various bank loan committees as designated;
- Active in Community events of branches which may include assisting in planning and execution;
- Make recommendations to management regarding product improvement or changes;
- Mentor branch staff promoting an atmosphere of coaching and learning; and,
- Refer depository and other business lines from customer base to the Branch Retail Manager.
Qualifications KNOWLEDGE, SKILLS AND ABILITIES - Excellent sales, organizational, managerial and interpersonal skills; and,
- Excellent oral and written communication skills.
EDUCATION, TRAINING AND EXPERIENCE REQUIREMENTS - Bachelor's degree in business or finance. (Sales/loan experience may be considered in lieu thereof.); and,
- Two to five years' experience with lending or commensurate experience.
CORE COMPETENCIES Building Trust - Interacting with others in a way that gives them confidence in one's intentions and those of the organization.
Customer Focus - Ensuring that the customer perspective is a driving force behind business decisions and activities; constructing and implementing service practices that meet customers' and own organization's needs.
Contributing to Team Success - Actively participating as a member of a team to move the team toward the completion of goals.
Building Customer Loyalty - Effectively meeting customer needs; building productive customer relationships; taking responsibility for customer satisfaction and loyalty.
Decision Making - Identifying and understanding issues, problems, and opportunities; comparing data from different sources to draw conclusions; using effective approaches for choosing a course of action or developing appropriate solutions; taking action that is consistent with available facts, constraints, and probable consequences.
Managing Work - Effectively managing one's time and resources to ensure that work is completed efficiently.
Sales Ability/Persuasiveness - Using appropriate interpersonal styles and communication methods to gain acceptance of a product, service, or idea from prospects and clients. SOUTHERN BANK
Job Tags
Full time, Bank staff,