Market President
Company: American Bank & Trust, Inc.
Location: Ontario
Posted on: September 15, 2023
Job Description:
PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES
- Maintains a portfolio of existing customers and maximizes
relationship to build customer satisfaction and confidence in the
Bank. Gathers and oversees compilation of all needed information
for loan application. Works in tandem with Credit Administration to
request appraisals, applicant credit reports, background checks,
reference checks, and other information pertinent to evaluation of
loan application. Corresponds with or interviews applicant or
creditors to resolve questions and negotiate agreements/terms.
- Coaches and develops employees, including career development
plans. Sets goals and evaluates individual performance of direct
reports. Works with direct reports to build culture characterized
by teamwork and high morale. Assures effective communication across
all regions, markets and locations. Regularly communicates goals
and results.
- Actively involved in business development.
- Maximizes new and existing customer relationships by cross
selling key deposit/fee income products/services as customer needs
dictate.
- Maintains the asset quality of the loan portfolio in the
assigned market. Review delinquency reports with appropriate Ag &
Business Bankers to ensure appropriate efforts are utilized to
manage credit risk. Stays abreast of and resolves operational
and/or lending issues as needed.
- Facilitates negotiation with customer, both new and existing,
according to established standards, such as fees, loan repayment
options, and other credit terms. Refers and/or presents credit
proposals to loan committee for approval in excess of individual
loan approval authority. Ensures loan agreements are complete and
accurate according to policy. Assures timely loan closing and
funding activities. Maintains updated loan documentation and loan
files.
- Seeks networking opportunities with valuable third-party
associates and potential clients through community activities,
professional organizations, educational workshops and seminars,
charitable organizations, and economic and community development
organizations (local Chambers, economic development councils,
etc.). Networking is acceptable during social situations as long as
a high level of professionalism and appropriate decorum is
maintained. Networking is also encouraged with the use of LinkedIn
or other approved Social Media outlets. Networking opportunities,
when utilized properly, will aid in business development.
SECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES
- Represents Bank in industry and professional associations,
community organizations, local business groups, etc., and promotes
Bank's favorable image.
- Collects delinquent accounts in timely manner within bank
procedures/processes. Develops/ negotiates revised loan repayment
terms/schedules as necessary.
- Remains knowledgeable and abreast of guaranteed government loan
programs and other conventional financing mechanisms as vehicle for
customers.
- Compliance with bank policies and procedures and federal and
state laws/ regulations.
- Other duties as may be assigned.TEAM/COMMITTEE ASSIGNMENTS:
- TBDROLE QUALIFICATIONS:Education
- Bachelor's degree in Business, Finance or Accounting, or
equivalent combination of education and experience
- Specialized training in accounting, finance and economics plus
additional bank-related training
- Additional formal credit trainingExperience
- A minimum of 7 to 10 years commercial and agricultural lending
and credit analysis experience within a financial institution
environment
- A minimum of 5 years supervisory experienceOther Skills and
Abilities
- Strong communication skills, both written and verbal
- Knowledge of lending regulations and policies
- Ability to interact with customers and employees with tact,
diplomacy and confidentiality
- Resourceful, innovative and well organized
- Ability to assess problems and/or unusual situations and
develop logical solutions
- Strong ethical focusPERFORMANCE MEASURES:
- Meets or exceeds annual goals as pre-established by the CEO
that are aligned with the strategic plan
- Compliance with regulatory requirements
- Meets or exceeds all sales and growth goals
- Maintains or exceed business & agricultural loan portfolio of
$15 MM
- Maintains or exceed branch deposit portfolio of $60 MM and loan
portfolio of $35MM
- Proactively develops Commercial DDA business
- Actively develops business for the Bank
- Maintains past due loans at .50% or below
- Annual losses not to exceed .10% of branch loan portfolio
WORKING CONDITIONS:Work is performed largely within the Bank with
limited chance for personal injury. Prolonged and frequent mental
and visual concentration required. Periodic stressful situations in
response to multiple priorities within established deadlines. Work
hours are generally during normal business hours. Unscheduled
evening and weekend work will be needed to meet the needs of
customers and employees. Out-of-town and overnight business travel
will be required. Work on some Saturdays will be required. Must be
able to lift and move up to 20 pounds of office supplies and
equipment. Some bending, turning, and twisting required.GENERAL
NOTICE:This position description describes the general nature and
level of work performed by the employee assigned to this position
and should not be interpreted as all inclusive. It does not state
or imply that these are the only duties and responsibilities
assigned to the position. The employee may be required to perform
other job-related duties. All requirements are subject to change
and to possible modification to reasonably accommodate individuals
with a disability. -This position description does not constitute
an employment agreement between the Bank and employee and is
subject to change by the employer as the needs of the Bank and
requirements of the position change.
Keywords: American Bank & Trust, Inc., Ontario , Market President, Executive , Ontario, California
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