Commercial Lending Officer II (exempt), Louisville

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Louisville, KY, US

Salary Range: $84,624.76 To $105,780.95 Annually

Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled

JOB SUMMARY

Develops and manages a commercial banking relationship within the established policies of the Bank.

LEVEL DIFFERENTIATION

Either works:

• Primarily from one of the Bank’s urban market areas (Lexington, Louisville, Northern KY); or
• Works within a rural market with 3+ years’ direct small business and/or commercial lending experience and has demonstrated ability to grow own commercial loan production.

EDUCATION/EXPERIENCE REQUIRED

Must meet one of the following:

• Bachelor’s Degree in finance, accounting or related area and either of the following:
  • Two+ years’ lending experience
  • Two+ years’ banking experience in related department which offers direct exposure to lending policy/guidelines (i.e. credit analysis, loan review, banking center management, etc.)
• Associate’s degree and five+ years’ experience in lending and/or banking experience in related department which offers direct exposure to lending policy/guidelines
• Greater than 10 years’ experience in a lending related position which offers direct exposure to lending policy/guidelines

QUALIFICATIONS/SKILLS REQUIRED

• Good computer skills with a working knowledge of Word and Excel
• Working knowledge of lending software applications preferred
• Excellent verbal and written communication skills
• Proven strength in credit analysis, problem solving, negotiation, business development, organization, time management, interpersonal skills and customer service

ESSENTIAL JOB DUTIES AND RESPONSIBILITIES

• Maintains and manages a commercial loan portfolio for operating companies and the key individuals within those companies to include: receipt of loan request, evaluation of financial statements, structuring loan with respect to rate, term and collateral to remain competitive and maximize profit, cross-sell other bank services, and monitor repayment activity to keep past due accounts under control in accordance with the established policies of the Bank.
• Develops and manages commercial deposit accounts and personal deposit accounts in a manner that will provide the bank with maximum profitability.
• Represents the bank on various civic boards and in community activities. Makes presentations to schools and civic groups on lending-related topics. Participates in bank programs for college interns, EBCE students and shadowing.
• Assists in the preparation of the departmental budget.
• Develops and maintains an active prospect base for solicitation purposes in order to expand the existing loan and deposit base.
• Actively participates in the Officer Call and Sales Integration Programs to develop new lending and/or deposit relationships for the bank.
• Assists in the development of intermediate goals and long term objectives for the Commercial Lending area.
• Performs other duties as assigned.

BENEFITS

• Health Insurance
• Vision Insurance
• Paid Vacation
• Paid Holidays
• Employee Stock Ownership Plan
• 401k Plan
• Voluntary Life Insurance
• AD&D Insurance
• Discounted Banking Services
• EAP (Free counseling sessions)
• Discounted AAA Membership
• Fitness Discounts
• Vacation Purchase Plan
• Interest-Free Computer Loan
• Interest-Free Fitness Equipment Loan
• Service Awards
• Subsidized Parking (Downtown)
• Educational Assistance Program
• Employee Wellness Program
• Dell Computer Discount
• Discounted Tickets
• Cell Phone Discount
• Jeans days to benefit local charities
• Paid Identity Theft Protection
• New Hire Incentive (for hourly employees)

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