Develop, manage and grow small business, commercial, and/or commercial real estate loans that meet the bank’s commercial lending criteria and provide profitability to the bank while mitigating risk. Develop and increase commercial and retail deposit accounts and relationships.
Description of Duties:
Monitor and ensure the asset quality of the assigned loan portfolio. Review delinquency reports and ensure proper collection efforts are being utilized to manage the credit risk of the portfolio.
Manage, supervise, and grow individual loan and commercial deposit portfolios. Develop and maintain existing customer base and increase customer satisfaction.
Solicit new customers and negotiate rate and loan terms competitively.
Cross-sell other bank services to customers i.e. retail deposits, cash management, retail lending and wealth management services.
Analyze customer credit requests, balance sheets, profit and loss statement, and cash flow projections in order to make sound loan decisions and predict future repayment capacity within a predetermined lending limit.
Prepare accurate, quality credit write ups and loan presentations and make recommendations to loan committee on new and renewal loans for amounts above lending limit.
Effectively communicate with customers, other lenders, lending staff, loan operations staff, senior management, etc.
Assist in the development and implementation strategies for production and growth of high-quality loans and strategies to maximize new and existing loan relationships.
Participate as a member of various Bank committees as assigned and represent the bank with community activities and committees.
Participate in professional associations; attend conventions, conferences and seminars.
Completed required training associated with job function.
Other responsibilities as assigned by management.
Skills and Abilities:
Thorough knowledge of the bank’s products and services.
High level analytical skills to conduct loan analysis with consideration to market trends, credit/interest rates, economic conditions and other factors.
High level of interpersonal skills to interact with customers and colleagues in a professional manner.
Adequate knowledge of both internal policies and procedures and state and federal laws and regulations governing departmental functions to ensure performance of individual job duties.
Experience and Education Requirements:
10-15 years of similar or related experience
Equal Opportunity Employer
About Washington Savings Bank
Washington Savings Bank is a community bank with locations in Effingham and Mattoon.