Provides relationship support to commercial loan officers, thereby facilitating the initiation and servicing of commercial credit and banking relationships; and manages the process to ensure adequate credit records are maintained for the commercial credit portfolio. Analyzes new and existing commercial credit relationships and assesses the level of risk associated with each relationship. Makes recommendations to approve or deny new commercial credit applications and conducts reviews of existing commercial credit relationships. Manages the commercial loan portfolio to ensure sufficient, current and accurate credit records are maintained within the credit files, Core processing system, and the subsidiary financial tracking and reporting software.
MAJOR DUTIES & RESPONSIBILITIES:
1. Commercial Credit Analysis and Portfolio Management
2. Protection of bank assets
3. Compliance with all applicable laws, rules, regulations, policies, procedures, and guidelines.
4. Ensure complete credit files are maintained and updated in accordance with Bank policies and procedures for relationships constituting the commercial credit portfolio
5. Analyze creditworthiness of new and existing commercial credit relationships
6. Present credit analysis and opinion for creditworthiness to commercial loan officers
7. Manage and sufficiently document the financial statement request and receipt process, ensuring annual collection of required financial documents needed for credit files within the commercial portfolio in accordance with policy
8. Prepare reports as needed for the Board of Directors and lending department officers
9. Complete projects and tasks as assigned relating to management and tracking of the commercial loan portfolio
10. Assist with preparation of written commercial loan portfolio management and servicing procedures
11. Track and monitor the occurrence of commercial credit relationship reviews
12. Track and monitor updated property inspections completed for commercial properties
13. Preparation of customer contact calls and letters as requested
14. Assist in the completion of the post-closing review for commercial credit as needed
15. Develop and maintain relationships with accounting firms, attorneys and real estate agents
16. Provide support to branch staff for new business development and maintenance of existing commercial relationships
17. Train support staff in the lending process and use of Bank programs and services
18. Coordinate services with other credit analysts/portfolio managers to facilitate the credit analysis function
19. Enter data into Bank’s financial analysis and monitoring software system (Sageworks)
20. Update data within the Bank’s core processing system
21. Order and review third party reports, such as credit reports, appraisals and environmental reports
22. Handle commercial customer problems and complaints; counsels customers with special needs or requests
23. Present and review major loan requests, as defined by Board policy, with directors for their consideration and approval or rejection
24. Provide and maintain a professional, business-like atmosphere within the lending department
25. Represent the financial institution in public relations activities, community affairs, and at civic organizations
26. Participate in discussions for third party reviews, internal audits and the Bank examiners
27. Other duties as assigned.
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. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand; walk; use hands to finger, handle or feel; and reach with hands and arms. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EQUAL OPPORTUNITY AND AFFIRMATIVE ACTION EMPLOYER
Bank of Greene County is a federal contractor and an equal opportunity and affirmative action employer that does not discriminate on the basis of race, national origin, religion, age, color, sex, disability, or veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.
BANK SECRECY ACT (BSA)
Before assuming any duties, each employee will be trained in the proper filing and logging procedures for large currency transactions and the sale of monetary instruments.
Each employee will immediately report suspicious currency transactions or activity to their immediate supervisor or the BSA Officer.
All employees will become familiar with how their customers handle their accounts and will report any transactions that are not within the normal activities of the customer.
The employee will be trained in compliance with the BSA, USA PATRIOT ACT and associated laws and regulations under the Bank’s Compliance Program as it pertains to his or her job functions. Employees are expected to meet all compliance requirements as stated within the Bank’s BSA/AML/CIP/OFAC Program. Failure to meet these compliance standards may adversely affect performance appraisals and may result in disciplinary action up to and including termination. Employee’s compliance violations may result in termination, individual fines, and possible imprisonment.
EDUCATION & EXPERIENCE:
1. Bachelor’s Degree in business, finance or related area or equivalent experience within a financial institution, loan department or similar area.
2. Detail oriented, with strong analytical and customer service skills
3. Ability to handle complex and diverse situations
4. Excellent written and oral communication skills