Senior Commercial Banking Officer

BE HAPPIER IN YOUR CAREER As an 8-time winner of Best Places to Work (in Kentucky), we understand the importance of creating a workplace culture that gives our bankers a purpose each and every day. That purpose is to find unique ways to deliver our brand of happier banking service to customers and other employees. We're looking for self-starters, outside-the-box thinkers, customer service wizards, small business enthusiasts, and servants within their community. Notice we didn't say bankers. At Forcht Bank we value diverse and unique thinking that could help us serve our customers better. That's exactly who we are. What other banks do you know that have an Ice Cream Machine to hand out free ice cream and 18 foot tall forks outside their locations? WHO WE ARE While we opened our doors in 1985 offering traditional banking services, we soon realized we needed to deliver them in a nontraditional way. Financial services are a competitive industry, with over 5,000 banks and 5,300 credit unions. That's a lot. We understand that we must differentiate ourselves by offering a unique combination of banking, consisting of exceptional customer service and with a twist of great digital banking tools to help our customers manage their basic needs. This is part of our happier banking recipe. Another component is encouraging our bankers to exemplify our values daily. We believe in: Giving back to our communities. Embracing change and evolution Building relationships based on trust and transparency Celebrating and embracing our diversity THE PERKS Our commitment is to grow and train happier employees, providing them with the skills to deliver happier banking and create happier customers. This is how we create happier employees at Forcht Bank: Competitive salary/wage Comprehensive benefits package to include: Health, Vision, & Dental Insurance 401(k) Retirement Plan with up to 4% Company Match (fully vested from day 1) Company Paid Life Insurance Minimum of 15 days of Paid Time Off (PTO) after 60-day introductory period Nine Paid Holidays, plus Birthday Leave and Community Service Leave Charitable donation match Employee celebrations Professional recognition And more! Scheduling & Travel Must be able to work on a flexible schedule that at times may include early or late and regular weekend hours. Certain positions in the Financial Services Sector (including Forcht Bank) are considered critical and/or essential to the infrastructure. Individuals occupying these positions, must be able to report to work as directed in the event of inclement weather, declared states of emergency, and/or pandemic conditions, under the discretion of Forcht Bank leadership. Must be able to attend new hire training and orientation in Lexington, KY Monday through Friday 9:00 am to 4:00 pm for a one-to-two-week period. Ability to travel to other locations as needed. Essential Duties & Responsibilities To perform this job successfully, an individual must be able to perform each essential duty and responsibility satisfactorily. Develops and maintains customer relationships by calling on existing or prospective customers, including identification of prospects, suitable method of contact and determination of their needs and appropriate products and/or services. Interviews applicants to develop information concerning their banking needs, explain the types of loans and other banking products available. Discuss options that are available, as well as the terms of those services. Obtains information for loan applications and other banking products, explain the process and answer questions. Analyzes applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. Obtains and compiles copies of loan applicants' credit histories, corporate financial statements, and other financial information. Manages the loan application through the underwriting process to decisioning. Stays abreast of new types of loans and other financial services and products to better meet customers' needs. Stays abreast of regulatory compliance requirements, loan policy and operating guidelines. Reviews and updates credit and loan files. Submits applications to Central Retail or Credit Officers for underwriting and analysis, as applicable. Submits necessary documents to Central Processing Department and Loan Processor for generation of loan documents. Closes and funds loans within authority. Manages credit and collection of payments up to 30 days delinquent for the life of the loan. Monitors loan documents, including loan agreements to ensure borrower is in compliance with terms throughout life of loan. Handles customer complaints as needed and takes appropriate action to resolve them. Participates in outside community and charitable organizations on behalf of the Bank. Manages daily NSF as assigned. Other duties as assigned. Qualifications The requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Proficient in the use of all Microsoft Office products, in particular Word and Excel; Bank information systems; Laser Pro and Internet research when appropriate. Extensive background in financial institution operating policies and procedures and banking regulations including a thorough understanding of financial institution products and services. Ability to read, analyze, and interpret industry information such as customer financial statements, tax returns, and complex technical documents. Ability to effectively present information to management in verbal and written format. Ability to work with a team and members of other departments of known concepts. Ability to follow prescribed and detailed procedures to solve moderately complex problems and collect data, establish facts and draw valid conclusions. Ability to give full attention to what other people are saying; taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times. Ability to communicate orally to others to convey information effectively. Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar including the ability to comprehend written sentences and paragraphs in work related documents. Ability to use logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems. Ability to manage time and be efficient and effective in the completion of assignments. Knowledge of those arithmetic, algebra, statistics, and their applications specific to the position. Physical Demands and Abilities The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform the essential duties of this job. Reasonable accommodation will be made to enable individuals with disabilities to perform the essential functions. The ability to listen to and understand information and ideas presented through spoken words and sentences. The ability to communicate information and ideas in speaking and writing so others will understand. The ability to identify and understand the speech of another person. The ability to see details at close range (within a few feet of the observer). The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem. Ability to stand for long periods. Ability to stand, bend, and lift up to 10 pounds. Ability to operate standard business equipment such as fax, computer, printer, copier, etc. Ability to look at a computer screen for long periods of time. Ability to regularly travel to other locations. Must be able to work on a flexible schedule that at times may include late working hours or weekend hours. Other Requirements May be required to attend activities outside the bank to stay abreast of new developments, best practices, and statutory and regulatory changes. Pursuant to the Drug Free Workplace Act of 1988, all employees must remain drug free and alcohol free when reporting to work, while at work and while engaged in any work related activities. Comply with all Bank Secrecy Act rules and regulations and any related laws and regulations. EOE We are committed to ensure fair and equal treatment for everyone we employ and as such, we are a proud Equal Opportunity Employer . We value diversity and believe employment, training, and promotional opportunities should be available to all persons without regard to race, color, gender (including gender nonconformity, gender identity, status as a transgender individual, and sexual orientation), sex (including pregnancy), age, religion, national origin, ethnicity, physical or mental disability, genetic information, political affiliation, protected veteran status or membership in the armed services, or any other consideration that is protected by applicable federal, state, and local law.

Created: 2024-11-05