Careers

Universal Banker - Monterey

9/17/2020

Title:                 Universal Banker

Supervisor:      Service Manager

Department:    Operations

Status:             Non-Exempt

POSITION:

This position is universal and will be versed in new accounts, teller, online banking, notary, signing authority and phone support. The primary responsibilities of this position are to provide excellent customer service to all customers of the bank.  Provide support to business and retail online banking customers and Bank staff.  Responsible for opening new consumer and business accounts and perform all account maintenance following established procedures.  Process transactions for customers consistent with Bank’s policies and procedures.  Knowledgeable of the Bank’s products and services, and assists customers in choosing appropriate types of accounts.  Ensures compliance with all Federal and State laws and regulations.

PREFERRED EDUCATION:

High School Diploma or Higher Notary

PREFERRED PRIOR EXPERIENCE:

3 - 5 years in banking environment

REQUISITE SKILLS:

• Good Organizational Skills
• Excellent verbal and written communication skills
• Time Management
• Good Cash Handling Skills
• Thorough knowledge and understanding of all Bank products.
• Knowledge of bank software
• Microsoft Office programs
• Reg E, Regulation CC, and BSA/AML
• Ability to lift up to 25 1bs.
• Ability to Sit/Stand for long periods.

DUTIES – to include but not limited to:

• Perform accounts maintenance, check orders, and stop payments
• Provide debit card support
• Review deposit and in clearing checks
• Open new accounts per Bank policy and procedures, conducting in depth interviews with clients.
• Respond to needs of Relationship Managers in new accounts area, ensuring excellent customer service, as well as knowledge of type of business and impact on other areas of the Bank.
• Maintain relationship database, i.e., CIF’s in Precision.
• Greet customers in a friendly, professional, and courteous manner.
• Receive deposits; verify cash, endorsements, and issue receipts.
• Accept checks for cashing, verify funds and endorsements, taking and recording proper identification as necessary.
• Accept non-cash items (i.e., foreign checks, US Savings Bonds) for collection and processing.
• Accept and process cash advance transactions
• Possess a knowledge and understanding of all Bank Products and Services.
• Open and perform maintenance on personal and business accounts as required.
• Issue Cashier’s Checks per client request.
• Provide telephone support
• Successfully train New CSRs.
• Oversee daily operations of the branch.  Ensure customer needs and requests are met in a timely and professional manner.  Ensure that all tasks are completed in an efficient manner, with excellent customer service always being the first priority.
• Approves transactions on Integrated Teller for other employees as directed by the CSM.
• Vault and ATM control and balancing.  Ensure that branch cash limit is adhered to, shipping and receiving currency as needed.
• Customer Service Representatives are expected to seek and recognize opportunities when to offer, promote and refer bank products and services to new and existing customers.
• Attend and successfully complete all assigned mandatory compliance and training courses by the bank.
• Participate in all established Bank-wide and Banking Office specific Campaigns and Goals.
• Provide eBanking service and support
• Provide eBanking products and services support (ACH, Wire, Bill Pay, Mobile, RDC, Positive Pay)
• Morning teller balancing to GL’s
• Research corrections
• Aid in the research of teller differences
• Branch cash orders
• Scanning
• Teller turn-ins
• Process courier bags and night drop bags
• Process ATM deposits
• Balance Vault
• Other duties as assigned by supervisor.

EQUIPMENT USED:

• General Office Equipment
• Cash Counting & Scanning Equipment

SUPERVISORY RESPONSIBILITIES:

Limited to operations of client service staff in the absence of Service Manager.

Credit Analyst - Santa Cruz

9/17/2020

Title:                Credit Analyst

Supervisor:      VP Senior Relationship Manager

Department:    Loan Administration – 81

Status:             Non-Exempt

OUTLINE OF POSITION AND DUTIES:

Assist in calculating risk in and managing the Bank’s portfolio of commercial loans, employing wide variety of financial analysis techniques, including ratio and trend analysis as well as the creation of projections and a detailed analysis of cash flows.

• Underwrite new and renewal commercial loan requests and render decisions in adherence with Bank lending policy.  Includes performing cash flow and underwriting analysis.
• Prepare appropriate reports to assist in the loan decision-making process.
• Spread, review and analyze updated financial statements and supporting documentation on existing commercial and new commercial loans.
• Work closely with commercial lenders to ensure open communication regarding the customer and to ensure accurate file documentation.
• Discuss any perceived credit weaknesses or potential credit problems with the Relationship Manager, Credit Manager, and/or Chief Credit Officer.
• Analyzes work to conform to regulatory guidelines and Bank policies. Ensure compliance with applicable regulations.
• Examination of collateral and other sources of repayment as well as credit history and management ability.

EDUCATION:

• BA Business Administration with a preferred concentration in Finance or Accounting

PRIOR EXPERIENCE:

• 1-4 yrs related experience in commercial banking
• Participation in a commercial bank training program highly desired

REQUISITE SKILLS:

• Strong oral and verbal communication skills
• Ability to work independently with minimal guidance
• Ability to solve complex issues with minimal guidance
• Ability to work effectively at a fast pace with competing interests and due dates, but can still maintain a timely turnaround time.
• Proficient in the use of personal computers and software programs, such as Excel, MS Word and MS Access as well as other programs specific to the banking industry
• Familiar with basic accounting and different forms of financial statements such as balance sheets, income statements, agings, business and personal tax returns, etc.

SUPERVISORY RESPONSIBILITIES:

None

Loan Documentation Specialist - Watsonville

9/1/2020

Title:                Loan Documentation Specialist

Supervisor:      Note Department Manager

Department:    Loan Administration – 81

Status:             Non-Exempt

OUTLINE OF POSITION AND DUTIES:

Under limited supervision, performs a variety of centralized service duties pertaining to the documentation, boarding and servicing of commercial, real estate and consumer loans.

PREFERRED EDUCATION:

AA Business Administration or equivalent     

PREFERRED PRIOR EXPERIENCE:

• 3-5 years documenting and/or boarding & servicing loans

REQUISITE SKILLS:

• Good organizational skills
• Good communication skills
• Detail oriented
• Familiar with company software and processing procedures
• Knowledge of all bank lending rules and regulations
• Ability to work with minimum direction

DUTIES to include, but not limited to::

• Documentation preparation and/or review
• Funding and boarding of new loans and renewals
• Trailing documentation follow-up
• Perform “call-back” of co-worker’s system entries
• Insurance follow-up
• UCC monitoring, including continuations and/or terminations
• Payment processing
• Paid loan processing
• Participation loan sales, reconciliation and remittance processing
• Construction loan disbursement reconciliation
• Preparation of demands
• Disbursement of loan proceeds and addition of insurance, as needed
• Reconciliation and certification of assigned general ledger accounts
• Successful completion of all compliance and training courses assigned by the Bank

EQUIPMENT USED

General Office Equipment

SUPERVISORY RESPONSIBILITIES:

None

Loan Processor - Santa Cruz

8/5/2020

Title:                Loan Processor

Supervisor:      Loan Administration Manager

Department:     Lending

Status:              Non-Exempt

OUTLINE OF POSITION AND DUTIES:

Under general supervision, the Loan Processor will provide support to the Lending, Credit Admin and Note Departments. This position will perform a variety of duties that may include:

• Coordination of workflow within the Lending Department to obtain required documentation to facilitate complete loan packages for Underwriting. The Loan Processor is responsible for reviewing and identifying all missing documentation, preparing and assembling credit files and to assure that the information is presented in a complete and accurate manner.  
• Communicate with Relationship Mangers, Business Development Officers, and Credit Admin to insure timely processing for underwriting and document preparation. 
• Create digital loan files to contain all required documentation, ensure that all loan documentation is identified and properly categorized. Update loan files timely and maintain files in examination ready quality at all times.
• Ability to review and understand appraisals, entity documents, trusts agreements, purchase contracts and UCC filings.
• Ability to review and understand Preliminary Title reports, address title exceptions and prepare escrow instructions.    
• Engage third party vendors for credit reports, appraisals, environmental due diligence, and preliminary title reports. 
• Coordinate Loan closings with the Note Department, Relationship Managers and Title Company.
• Ensure compliance with applicable RESPA, TRID, TILA, REG B/HMDA, Adverse Action, and Flood Insurance.
• Attend necessary training for regulatory compliance. 
• Maintain and update pipeline reports.
• Perform other duties as may be required by the Lending Department.
• General clerical duties including filing, copying, data entry and scanning.

PREFERRED EDUCATION:

High School Diploma or GED

PREFERRED PRIOR EXPERIENCE:

• 1 - 4 years of experience working in loan processing, loan documentation or loan administration within a financial institution
• Basic understanding of Title & Escrow
• Experience working with lending service providers

REQUISITE SKILLS:

• Understanding of Lending documentation
• Strong organizational skills, attention to detail and accuracy
• Strong verbal and written communication skills
• Ability to work in a fast paced environment, meet deadlines and multi-task
• Ability to problem solve and make decisions
• Ability to prepare and edit documents using Word and Excel

EQUIPMENT USED

General Office Equipment

SUPERVISORY RESPONSIBILITIES:

None

Credit Administrator - Santa Cruz

8/4/2020

Title:                Credit Administrator

Supervisor:      Chief Credit Officer

Department:     Loan Administration – 81

Status:             Exempt

OUTLINE OF POSITION AND DUTIES:

• Conversion and report generation projects
  • Including but not limited to revamping forms and procedures in Credit Administration to streamline processes.
• Responsible for updating the monthly Watch and CLAP reports
• FASB 114 and FASB 5 quarterly analysis and reporting
• Review Credit Authorizations (CA’s) for Call Code check back and covenant requests. Covenants listed on the CA’s are reviewed for compliance with Bank policy and appropriateness to credit size and risk.
  • Create and populate Exception to Policy report at each quarter-end
• Appraisal Responsibilities. To review and document appraisals and to maintain an updated Approved Appraiser list May also include ordering appraisals.
• Approve and document subordination requests.
• Develop and monitor assigned procedures such as A/R and loan monitoring on a monthly basis which includes freezing lines and override dollar amounts
• Develop and maintain a quarterly large loan report.
• Develops and analyzes credit information. Furnishes information relative to credit inquiries and provides assistance to the Chief Credit Officer. Prepares cash flow analyses, summaries, presents facts and may offer opinions concerning credit worthiness.
• Ensures documentation adheres to bank policies and laws and regulations applicable to the extension of credit and collections. 
• Under general direction of the Chief Credit Officer, document track and coordinate the collection of classified assets. Includes responsibilities for incoming/outgoing collections and installment collection.
• Monitor delinquent credits for the bank and determine when a loan should be transferred for collection.
  • Contact delinquent credit customers and make decisions for the best course of collection. This includes initiating foreclosure of collateral.
  • Prepare delinquent and demand correspondence(s) to the customer in the collection process. 
  • Take possession and/or facilitate possession and liquidation of all forms of collateral.
  • Develop and monitor the OREO procedures and checklists. Monitor OREO properties to insure; insurance is in place, monitor sales process and make recommendations to facilitate the liquidation of the property. Verify the property is secured and maintained during bank ownership.
  • Monitor and track collections and bankruptcies through a tracking matrix

PREFERRED EDUCATION:

BA Business Administration 

PREFERRED PRIOR EXPERIENCE:

8 years bank lending experience

REQUISITE SKILLS:

• Knowledge of banking collection practices and documentation procedure.
• Knowledge of bankruptcy law and how it relates to loan collection and bank collateral.
• Knowledge of SBA lending practices and collections.
• Collects, organizes, and analyzes data for a variety of loan products.
• Analyzes financial statements, financial ratios and reviews tax analysis.
• Reviews all documentation for completeness and accuracy prior to documents being signed and finalized.
• Has direct contact with clients to resolve routine issues.
• Develops and maintains relationships with other bank departments, such as the Note Department, to obtain and share information and resolve client issues.
• Assists Chief Credit Officer in loan write-up requirements, and performs written analysis independently.
• Performs other duties as assigned.

EQUIPMENT USED (if applicable):

General Office Equipment

SUPERVISORY RESPONSIBILITIES:

None

Financial Service Representative - Aptos, Multiple Locations

3/2/2020

Title:                Financial Service Representative

Supervisor:      Service Manager

Department:    Operations

Status:             Non-Exempt

OUTLINE OF POSITION AND DUTIES:

Performs a variety of duties in offering, promoting and referring bank deposit products and services to new and existing customers.  Opens and processes all types of accounts.  Is knowledgeable of the Bank’s products and services, and assists customers in choosing appropriate types of accounts.  Ensures compliance with all Federal and State laws and regulations.  Ensures that the Bank is not placed in a potential loss situation.

PREFERRED EDUCATION:

AA Business Administration

PREFERRED PRIOR EXPERIENCE:

2 years in banking operations.

REQUISITE SKILLS:

• Good organizational skills
• Good communication skills
• Good cash handling skills
• Thorough knowledge and understanding of all Bank products.
• Ability to lift up to 25 lbs.
• Ability to sit/stand for extended periods.

DUTIES – to include but not limited to:

• Open new accounts per Bank policy and procedures, conducting in depth interviews with clients.
• Respond to needs of Relationship Managers in new accounts area, ensuring excellent customer service, as well as knowledge of type of business and impact on other areas of the Bank.
• Maintain relationship database, i.e., CIF’s in Precision.
• Maintain thorough knowledge of the Relationship Managers portfolio and all specific clients and their needs.
• Ensure that appropriate legal documents and all required paperwork is on file for each client.  Maintain pending file and report all documents yet to be obtained.  Maintain new account log for follow-up per Bank policy.
• Have a good working understanding of all regulatory and compliance issues relative to new account activity.
• Keep supervisor informed on any special  requests for service from customers.
• Answer Bank’s main telephone line within three rings.
• Attend and successfully complete all assigned mandatory compliance and training courses assigned by the Bank.
• Participate in all  established  Bank-wide and banking office specific Campaigns and Goals.
• Refer Bank products and services to other departments within the Bank where applicable.  (loans, merchant services)
• Demonstrate exemplary internal and external customer service at all times.
• Other duties as assigned by supervisor.

EQUIPMENT USED:

General banking Office equipment.

SUPERVISORY RESPONSIBILITIES:

None

Call Center Service Specialist- Scotts Valley

1/6/2020

Title:                Call Center Service Specialist

Supervisor:      VP/Central Operations Manager

Department:    Central Operations

Status:             Non-Exempt

POSITION:

The primary responsibility of this position is to provide service and support to Bank customers and staff. This position may perform any of the duties for which the Central Operations department is responsible.

DUTIES:

• Answer incoming calls to Central Operations customer service and support
• Respond to emails send to Central Operations customer service and support
• Perform account maintenance, check orders, and stop payments
• Provide debit card support
• Place cash and coin orders and provide related support
• Review deposit and inclearing checks
• Complete verification of deposit requests
• Perform levies
• Complete subpoenas and summons
• Reactive dormant accounts
• Respond to research requests

PREFERRED EDUCATION:

AA Business Administration or equivalent     

PREFERRED PRIOR EXPERIENCE:

3 - 5 years in banking environment

REQUISITE SKILLS:

• Thorough knowledge of Bank products
• Time management
• Excellent verbal and written communication
• Microsoft Office programs
• Knowledge of bank software
• Regulation E, Regulation CC, and BSA/AML
• Ability to sit at workstation for long periods
• Ability to lift up to 25lbs.

EQUIPMENT USED:

General Office Equipment

SUPERVISORY RESPONSIBILITIES:

None

Operations Specialist - Scotts Valley

1/3/2020

Title:                Operations Specialist

Supervisor:      VP/Central Operations Manager

Department:    Central Operations

Status:             Non-Exempt

POSITION:

The primary responsibility of this position is to provide service and support to Bank customers and staff. This position may perform any of the duties for which the Central Operations department is responsible.

DUTIES:

• Provide operational support to Branches
• Input and/or release wires transfers
• Perform daily exception item processing, check adjustment, and return deposits
• Review deposit and inclearing checks
• Process reclamations
• Complete levies
• Remit IOLTA to State Bar
• Back-up withholding
• Subpoenas and summons
• Report unclaimed property
• File EFT disputes
• Perform GL and DDA reconciliations and certifications
• Support ACHs
• Perform quality assurance
• File CTRs

PREFERRED EDUCATION:

AA Business Administration or equivalent     

PREFERRED PRIOR EXPERIENCE:

3 - 5 years in banking environment

REQUISITE SKILLS:

• Thorough knowledge of Bank products
• Time management
• Excellent verbal and written communication
• Microsoft Office programs
• Knowledge of bank software
• Regulation E, Regulation CC, and BSA/AML
• Ability to sit at workstation for long periods
• Ability to lift up to 25lbs.

EQUIPMENT USED: 

General Office Equipment

SUPERVISORY RESPONSIBILITIES: None

SBA Loan Servicing Assistant - Santa Cruz

12/30/2019

Job Title:          SBA Loan Servicing Assistant

Reports To:     AVP - SBA Loan Service Officer

Department:   SBA Lending Department

Status:            Non-Exempt

OUTLINE OF POSITION AND DUTIES:

Under general supervision, services all types of government guaranteed loans to maintain compliance with Bank/SBA/USDA policies. Upon final disbursement of the SBA loan; reviews the SBA loan file and begins following for closing items.  Contacts borrowers, escrow and/or title companies and other parties directly involved in all aspects of loan servicing. Obtains documents such as insurance binders or certificates, business licenses, financial statements, tax returns, UCC filings, etc. to ensure loan compliance.  Updates information on the Precision tickler system in relation to business collateral and financial information requirements. Upon receipt of business, collateral and financial information documents, reviews documents to ensure accuracy and identifies any adverse changes affecting the loan. Recommends action to be taken on these changes, to management and SBA/USDA when necessary. Responds to all client inquiries and requests regarding demands, releases, subordinations, and substitutions of collateral, moratoriums and loan payoff demand requests.

ESSENTIAL DUTIES AND RESPONSIBILITIES including the following, other duties may be assigned:

• Maintain existing SBA portfolio by obtaining insurance, tickler items, up-dated financial information, and miscellaneous documentation to ensure compliance with Bank and Government Policies.
• General clerical duties include filing, copying scanning and data entry.
• Engage third party vendors for items such as ordering certificates of good standing with the State, personal credit reports, appraisals, environmental due diligence and preliminary title reports.
• Prepare construction disbursements, wire transfers and Secondary Market reports.
• Verify and/or prepare payments, pay-offs, disbursements, adjustments, and remittance to participants in the Secondary Markey. Assure correct monthly billings, rate change notices and delinquency letters and notices.
• Run daily, monthly, quarterly, annual reports and other information reports, which are necessary for tracking department status. Also, disseminates information as appropriate to Bank Management and clients
• Respond to client inquiries regarding new and existing SBA/USDA loans.
• Perform other duties that may be required by the SBA Lending Department.

COMPLIANCE RESPONSIBILITIES:

Responsible for ensuring compliance with all aspects of job related laws and regulations. Responsible for keeping compliance knowledge current by attending compliance related training seminars and/or staff meetings (or reviewing minutes when not in attendance for actual meetings) and by reading pertinent compliance related materials. Job related laws and regulations include, but are not limited to the following: Truth in Lending (Regulation Z); Equal Credit Opportunity (Regulation B); Fair Housing Act; Fair Credit Reporting Act; Fair Debt Collection Practices Act; Loans Secured by Margin Stock (Regulation U); Credit Practices Rules (Regulation AA): Community Reinvestment Act; Real Estate Appraisal Regulations; Real estate Settlement Procedures Act (Regulation X); Regulation 0: Bank Bribery Act; Emergency Preparedness: and Financial Privacy Laws.

SUPERVISORY RESPONSIBILITIES: This job has no supervisory responsibilities.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactory. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Creating, filing and managing loan credit files, ordering appraisals, environmental reports, preliminary title reports, credit reports, UCC searches, and loan documents. Duties may also include updating customer and insurance information, copying and faxing documents. Ability to run errands when needed.

Must have good organizational and time management skills as well as be detail-oriented. Must have excellent interpersonal skills and be willing to work in a team environment.

EDUCATION and/or EXPERIENCE:

Bachelor's Degree (B.A.) from a four-year college or university, or one to two years related experience.

PREFERRED PRIOR EXPERIENCE:

Two or more years associated experience.

REQUISITE SKILLS:

Must have advanced computer skills with thorough understanding of all Microsoft Word & Excel functions. Must be able to apply common sense to carry out instructions furnished in written, oral, or diagram form.

Ability to deal with problems involving several concrete variables in standardized situations.

Must learn quickly and work at a fast pace, and have good organization and communication skills.

PHYSICAL DEMANDS:

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.

While performing the duties of this job, the employee is regularly required to sit; use hands and fingers, handle, or feel; reach with hands and arms; and talk or hear. The employee frequently is required to stand and walk. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus.

WORK ENVIRONMENT:

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

The noise level in the work environment if usually moderate. Equipment used is general office equipment including computer, postage machine, fax machine, copier/scanner.

OTHER QUALIFICATIONS:

Must have good verbal and written communication, knowledge of basic financial mathematic equations and accounting skills, working knowledge of bank operations, SBA/USDA procedures and policies, title/escrow process, UCC filings and insurance policies. Also must be knowledgeable in Microsoft Word and Excel.

Customer Service Representative  - Multiple Locations

2/16/2019

Title:                Customer Service Representative  

Supervisor:      Service Manager

Department:    Operations

Status:             Non-exempt                                                                                       

OUTLINE OF POSITION AND DUTIES:

The individual will provide excellent client service to all clients of the bank.  They will process transactions for clients consistent with Bank’s policies and procedures.  They will possess a knowledge and understanding of all Bank products and services, and endeavor to offer, promote and refer these products and services to new and existing clients.  They will further ensure that the Bank is not placed in a potential loss situation.

PREFERRED EDUCATION:

High School Diploma

PREFERRED PRIOR EXPERIENCE:

6 months cash handling experience

REQUISITE SKILLS:

• Good Communication skills.
• Good Computer Skills.
• Good Cash Handling Skills
• Ability to lift up to 25lbs.
• Ability to Sit/Stand for long periods.

DUTIES to include but not limited to:

• Greet clients in a friendly, professional, courteous manner.
• Receive deposits; verify cash and endorsements, issue receipts.
• Accept checks for cashing, verifying funds and endorsements, taking and recording proper identification as necessary.
• Possess a knowledge and understanding of all Bank products and services.
• Issue Cashiers Checks per client request. 
• Client Services Representatives are expected to seek and recognize opportunities for offering, promoting and referring bank products to new and existing clients.       
• Attend and successfully complete all assigned mandatory compliance and training courses assigned by the Bank.
• Demonstrate exemplary internal and external customer service at all times.
• Participate in all Bank-wide and Banking Office specific Campaigns.
• Other duties as assigned by the supervisor.

EQUIPMENT USED (if applicable):

• General Office equipment
• Cash Counting Equipment

SUPERVISORY RESPONSIBILITIES: None

eBanking Specialist - Scotts Valley

5/23/2018

Title:                eBanking Specialist

Supervisor:      Electronic Banking Officer

Department:    Central Operations

Status:             Non-Exempt

POSITION:

The primary responsibility of this position is to provide service and support to business and retail online banking customers and Bank staff. This position may also perform any of the duties for which the Central Operations department is responsible.

DUTIES:

• Provide eBanking service and support
• Set up new eBanking profiles
• Provide eBanking products and services support (ACH, Wire, Bill Pay, Mobile, RDC, Positive Pay)
• Perform quality assurance reviews
• Perform accounts maintenance, check orders, and stop payments
• Provide debit card support
• Review deposit and inclearing checks

PREFERRED EDUCATION:

AA Business Administration or equivalent     

PREFERRED PRIOR EXPERIENCE:

3 - 5 years in banking environment

REQUISITE SKILLS:

• Thorough knowledge of Bank products
• Time management
• Excellent verbal and written communication
• Microsoft Office programs
• Knowledge of bank software

• Regulation E, Regulation CC, and BSA/AML
• Ability to sit at workstation for long periods
• Ability to lift up to 25lbs.

EQUIPMENT USED:

General Office Equipment

SUPERVISORY RESPONSIBILITIES:

None

Relationship Manager - Santa Cruz

4/16/2018

Title:                Relationship Manager - Santa Cruz Branch

Supervisor:      VP Senior Relationship Manager

Department:    Lending

Status:             Exempt

____________________________________________________

OUTLINE OF POSITION AND DUTIES

Makes and services all types of business and individual loans and lines of credit, both secured and unsecured.  Calls on potential or existing customers to develop new business and increase or retain existing business relationships.  Keeps informed as to the status of loans in their portfolio.  Provides subordinate officers with guidance; provides financial counsel to current and prospective customers.  Handles the more complex accounts and makes credit decisions independently.  Travel will be required to client offices and other sites.

PREFERRED EDUCATION:

BA Business Administration

PREFERRED PRIOR EXPERIENCE:

• Solid sales experience, generally gained through a minimum of 7 years previous experience.
• Proven success in generating new business
• Thorough understanding of local market and solid base of contacts required.
• May require a thorough knowledge of specialty business depending on assignment.

REQUISITE SKILLS:

• Good computer skills
• Good communication skills.
• Thorough knowledge of Bank products and software
• Good understanding of financial statements.
• Ability to analyze financial results.
• Develop business development strategy to generate new business.
• Develops referral sources and contacts to generate new business.  Consults with Chief Credit Officer when credit proposals are developed and presented to customer.
• Provides information and may make detailed presentations to prospects specifying product availability, applying creative solutions to client problems/issues.  May gather historical and financial data and develop, or assist in developing, program agreements.
• May consult with and provide guidance to Chief Credit Officer during due diligence process, as information is gathered on customer’s financial status, lending needs, etc.
• May identify specific business needs of customer and determine loan limits by analyzing financial data.
• May participate in sales events, or industry specific seminars as required.
• Individual goals are dependent on success of new business opportunities generated for the Bank.

DUTIES:

•  To include but not limited to: direction of the Senior Lending Officer and Chief Credit Officer.

EQUIPMENT USED:

• General Office Equipment
• Use of personal automobile when needed.  (to be reimbursed)

SUPERVISORY RESPONSIBILITIES:

• May assist other Relationship Managers on specific products.