Location: Chester,NY, USA
General Summary: Develop, originate, manage and underwrite commercial & industrial loans & commercial real estate loans which meets established lending requirements and provide maximum profitability to the Bank with a minimum of risk.
ESSENTIAL DUTIES AND JOB RESPONSIBILITIES:
* Interview loan applicants and collects and analyzes financial data to determine the general creditworthiness and appropriateness of the loan request.
* Establish and negotiate the terms under which credit will be extended including loan pricing, structure, repayments terms and collateral requirements that are consistent with the Bank's policies.
* Meet established loan production goals as well as deposit and fee income goals.
* Participate in community activities to increase the Bank's visibility and to enhance new business opportunities.
* Develop analysis and Credit Memorandums for presentation and approval of loan requests.
* Monitor loan portfolio for repayments, and take necessary actions for the collection of past due accounts, as well as the annual collection of financial information and annual reviews.
* Periodically visit with Borrowers, performing site visits and to promote good customer relations.
* Participate in sales meetings and blitzes.
* Cross sell Bank products and services.
EDUCATION, CERTIFICATION, EXPERIENCE:
* Bachelor's Degree in Business/Economics/Accounting of finance or equivalent work experience.
* 5-10 years of Commercial Lending experience required.
KNOWLEDGE, SKILLS, ABILITIES:
* Accounting and financial skills
* Strong analytical skills
* Strong banking and legal knowledge
* Advanced understanding of commercial loan documentation
* Strong personal computer skills
* Strong interpersonal skills
WORK ENVIRONMENT:
* Non-confined office type setting in which he or she is free to move about at will. The position includes driving a bank or personal owned vehicle approximately 50-75% of the time which I includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances
PHYSICAL DEMANDS:
* The ability to lift 25 pounds.
Special Note:
External and internal applicants, as well as position incumbents, must be able to perform the essential job functions as set forth above. Orange Bank and Trust Company is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of age, sex, sexual orientation, race, color, creed, religion, ethnicity, national origin, alienage or citizenship, disability, marital status, military or veteran status or any other legally-recognized protected basis under federal, state or local laws, regulations or ordinances.
Upon request, individuals with disabilities may be entitled to a reasonable accommodation. A reasonable accommodation is a change in the way things are normally done that will ensure an equal employment opportunity without imposing an undue hardship on the bank. Please inform the Human Resources Department if you need assistance completing any forms or to otherwise participate in the application process or, at the appropriate time, to perform the essential functions of the job.
This job description in no way states or implies that these are the only duties to be performed by an employee. Additional functions and requirements may be assigned by supervisors as deemed appropriate, based on the employee's knowledge, skill and ability as well as his/her mental and physical abilities.