General Description and Essential Functions
Manage and coordinate the marketing, delivery and support of community bank services including loans and other banking products. Responsible for the development and maintenance of midsized to large commercial loan portfolios, with the goal of providing maximum profitability with minimum risk. Must effectively communicate underwriting and credit decisions, and properly explain and document those decisions. Accountable for coordination of individual deposit development strategies that promote core deposit growth by attracting new business and building relationships with customers
Manage and oversee non-Retail personnel and operations necessary to effectively market, deliver and support broad-base community bank services. Lead non-Retail staff to achieve financial and risk goals, which includes meeting loan, deposit and income growth expectations.
Responsible for independently managing a portfolio of business clients and is accountable for net client growth, risk management effectiveness, customer service and profitability. Ability to identify loan, deposits and fee income.
Develop and manage midsized to large customer relationships to include all types of business banking and deposit products and services and maximize long-term customer satisfaction through aggressive cross-selling efforts to satisfy customers' financial needs.
Conduct interviews with customers to establish financial needs emphasizing financial counseling and lending, and process requests or will make appropriate referrals. Analyze credit and financial information for customers. Demonstrate sound judgment in decision making, abiding appropriately to established guidelines and procedures. Has the authority to approve or deny accounts. Lender is responsible at all times for the maintenance of the portfolio's credit quality. This includes the proactive, early identification of deteriorating credits and the ongoing management of problem loans that remain in the portfolio
Ensure appropriate risk management and credit quality is meeting expectations with the assigned markets.
Provide a detailed performance report to senior management and the Board of Directors on a monthly basis.
Actively manage talent to develop staff, recruit candidates and maintain appropriate staffing levels.
Responsible for oversight of Great Western Bank non-Retail personnel in the designated market area in meeting all applicable bank policies and procedures along with compliance with state and federal regulations.
Respond to and resolve customer service requests according to Great Western policies in a prompt, efficient and courteous manner at all times.
May manage multiple locations.
Bachelor's degree in business, business administration, finance, accounting or related area, or equivalent experience required.
10 or more years of lending, banking or financial services experience preferred.
Proven leadership abilities shown in previous positions.
Knowledge of all bank products and services including mortgage, cash management, commercial and retail.
Ability to build strong working relationships within the organization and develop professional relationships with customers and business associations.
Good understanding of bank and office operations with a strong aptitude in computer applications.
Effectively utilize and manage time to accomplish goals and objectives on a consistent basis.
Ability to use effective communication skills both verbally and in writing. Using appropriate form and style to express ideas in a clear, through, and concise manner. Ability to actively listen to others.
Actively participate in community organizations and activities to project and sustain a favorable bank image in the community.
Register and obtain a unique identifier number from the Nationwide Mortgage Licensing System as a Mortgage Loan Originator as well as keep the license in force by submitting updates when personal information changes and to complete the annual renewal of the license.
Perform other job-related duties or special projects as assigned.
Great Western Bank