Director Of Retail Marine Lending

Home Bancshares, Inc. Chesapeake , VA 23326

Posted 1 week ago

GENERAL DESCRIPTION OF POSITION

The Director of Retail Marine Credit is responsible for developing and maintaining relationships with yacht brokers and dealers to secure new clients for boat financing. He/she will develop client relationships through leads, boat shows and community involvement specifically for boat financing. He/she will provide leadership and coordination of the company sales function with Shore Premier Financial, in addition to the development and implementation of sales strategy and monitoring and analyzing sales activity against goals.

ESSENTIAL DUTIES AND RESPONSIBILITIES
1.Outreach, promote, and represent marine finance products.
2.Schedule and perform visits with dealers and brokers to determine needs and obtain feedback.
3.Develop sales strategies and products to promote and sell financial services.
4.Respond immediately to leads for loans.
5.Gather information from the loan application to ensure that the loan decision is made in a timely manner.
6.Works closely with the Retail Credit Underwriters and Processors to schedule loan closings, participating in the closing process to ensure the highest level of customer service. Also ensuring that the documents are accurately prepared and executed.
7.Overall goal is to increase sales volume by customer retention, new customer acquisition, and adhering to company guidelines for underwriting and legal procedures.
8.Analyzes and evaluates productivity of the marine consumer business efforts, including closing volume, profitability, and overall performance. This person shall be responsible for tracking and documenting the record of leads and applications, approval/denial rates, plus any additional pertinent information that will help evaluate the productivity on the sales/underwriting efforts.
9.Communicates the changes in rates and programs.
10. Work closely with Retail Credit Administration to present new programs and / or products, and revised underwriting criteria to add to the existing product portfolio.
11. Completes required BSA/AML training and other compliance training as assigned. This duty is performed annually, about 5% of the time.
12. The ability to work in a constant state of alertness and in a safe manner.
13. Perform any other related duties as required or assigned.

Requirements QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 9 to 10 years related experience and/or training, and 5 years related management experience, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to write reports, business correspondence, and policy/procedure manuals; Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry.

CRITICAL THINKING SKILLS

Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Intermediate: Accounting, Spreadsheet, Word Processing/Typing

WORKING CONDITIONS

Somewhat disagreeable working conditions. Continuously exposed to one or two elements such as noise, intermittent standing, walking; and occasional pushing, carrying, or lifting.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

PHYSICAL ACTIVITIES

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

Moderate diversity, low physical. Work activities which allow for a moderate amount of diversity in the performance of tasks which are not as varied as those positions with high-level diversity and decision-making.

While performing the functions of this job, the employee is regularly required to walk, sit, use hands to finger, handle, or feel, talk or hear; frequently required to stand, reach with hands and arms; an. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

ADDITIONAL INFORMATION

Required Education and Experience:

  • Bachelor's Degree in Business/Accounting/Finance or ten (10) years' industry and sales experience.

  • Minimum of seven (7) years' experience in a senior-level sales position.

  • Minimum of five (5) years' experience in a lending environment or in investment banking with a foundation in credit analysis and exposure to lending products and legal documentation.

  • Experience in strategic planning and execution and knowledge of structuring sales quota goals and revenue expectations

Required Skills and Abilities:

  • Proven analytical ability with excellent interpersonal communication, organizational and computer skills.

  • Effective verbal/written communication and problem resolution skills

  • Must have solid business judgment with proven ability to make decisions independently and decisively.

  • Must be a team player who can manage efficiently in a changing environment and be capable of managing multiple transactions simultaneously under a tight schedule.

  • Proficient with Microsoft Office Programs including Excel, Word and Outlook.

  • If you need an accommodation or assistance applying for employment, contact Centennial Bank at 501-328-4732. We comply with the ADA and consider reasonable accommodations that may be necessary.

  • Home BancShares, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, veteran status, family or marital status, gender identity or expression, or any other characteristic protected by law.

  • View Equal Employment Opportunity Posters provided by OFCCP here.

  • Home BancShares, Inc. is a participant of E-Verify. View the Notice of E-Verify Participation and Right to Work provided by the US Citizenship and Immigration Services (USCIS).

  • The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is in response to a formal complaint or charge, in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

  • EEO/AA/Veteran/Disabled

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Director Of Retail Marine Lending

Home Bancshares, Inc.