Position Purpose:
Responsible for business development and growth of commercial loan and bank products, plus management of a loan portfolio comprised of small to medium size loans.
Job Duties and Responsibilities:
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Build relationships while interviewing loan applicants to gather information concerning their needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
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Develop and manage commercial and consumer loan portfolios including maturing loans, past due loans, exceptions and deposits.
- Make decisions on loans and terms if within own lending limits or make recommendations to the Executive Loan Committee when necessary.
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Analyze loan requests and develop written proposals to the Executive Loan Committee.
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Ensure timely delivery of technically accurate spread sheets, loan monitoring activities, and annual exposure reviews to facilitate a sound credit portfolio.
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Manage maturing loans, past dues, exceptions, and deposits of the portfolio.
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Coordinate the origination and closing of loan requests.
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Ensure compliance to government regulations and bank policies.
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Network in the community to develop relationships and create new business opportunities including commercial and consumer loans, real estate loans, deposit products, investment products and treasury management products.
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Direct and assist support staff, as needed.
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Represent Firstar Bank in various civic and community functions to further enhance its image and develop or promote additional business/consumer relationships.
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Project a positive and helpful image to all customers of the bank.
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Complete annual training as required.
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Participate in bank/community activities.
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Other duties as assigned.
Skills and Abilities Required:
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Thorough understanding of commercial lending principles and practices as well as knowledge of government and compliance regulations.
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Advanced financial analysis skills, strong negotiation and sales skills.
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In-depth knowledge of credit analysis.
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Well-organized and good time management skills.
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Ability to build professional relationships with coworkers and customers.
- Excellent written, verbal, and presentation skills.
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Strong sense of initiative; self-motivated; work well without close supervision.
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Interpersonal skills with all levels of the organization to include coaching and management.
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Strong computer skills; proficient in Microsoft Word, Excel and Outlook.
Experience and Education Requirements:
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Minimum three (3) years of portfolio management experience.
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Bachelor’s Degree or equivalent of five (5) years of work experience.
Physical Requirements:
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Typically requires sitting for long periods of time with frequent keyboard/mouse usage and intermittent stooping, bending and walking.
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May occasionally lift up to 25 pounds which may include the need for independent mobility: bend, reach, or kneel.
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Visual and auditory skills are required.
Performance Standards:
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Accuracy: Completeness of documents prepared.
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Responsiveness: Timeliness of completion of documents and responding to requests for information.
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Relationships: Ability to work well with others.
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Guidance: Ability to provide guidance by answering questions and training others.
Firstar Bank is proud to be an Equal Opportunity Employer: EEO/M/F/Disabled/Vets
