Commercial Banking Officer III SVP - Louisville - Forcht Bank

Description

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. Were looking for self?starters, outside?the?box thinkers, customer service wizards, small business enthusiasts, and servants within their community. Notice we didnt say bankers. At Forcht Bank we value diverse and unique thinking that could help us serve our customers better. Thats 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. Thats 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:

• Comprehensive benefits package to include:
• 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
• Employee celebrations
• Professional recognition
• And more

RESPONSIBILITIES

• 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.
• Other duties as assigned.

QUALIFICATIONS

• Proficient in the use of all Microsoft Office products, in particular Word and Excel; Bank information systems; Laser Pro and Internet research when appropriate.
• 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.

REQUIRED EDUCATION AND/OR EXPERIENCE

• Bachelors degree in a relevant field of study; additional years of experience above the minimum requirements may be considered in lieu of education.
• Ten (10) years of direct experience working as a commercial or small business lender; experience must include outside sales calling on commercial clients and prospects and the management and growth of an individual loan portfolio.
• Experience managing individual relationships up to the Banks legal lending limit.

PHYSICAL DEMANDS AND ABILITIES

• Must be able to communicate, read and understand effectively both verbally and written words.
• Ability to sit, stand, reach or bend and lift to twenty (20) pounds. Requires utilizing a computer and computer screen for long periods of time.
• Must have manual dexterity through typing on a keyboard, sorting through paperwork.
• Ability to operate business equipment including computer, printer, copier, fax, etc.
• Ability to travel to other locations as needed.
• 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.

Equal Opportunity Employer

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.

Licenses & Certifications

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.