Corporate LenderDEPARTMENT: Commercial Lending LOCATION: Albany, Catskill, or Kingston, NYREPORTS TO: EVP, Commercial Chief Lending Officer SUPERVISES: Business Development/Portfolio ManagerRATE: $100,000 - $140,000 commensurate on experienceFLSA: ExemptPOSITION SUMMARY:Seeks new commercial and retail relationship opportunities and maintains existing relationships. Guides and directs new commercial and retail business development; builds strategic alliances with key retail and commercial banking customers, and community members; seeks new commercial credit and retail revenue opportunities and income improvement; access credit worthiness of prospects.EDUCATION & EXPERIENCE:
- Bachelor's degree in business, finance, accounting or a related field; or equivalent work experience
- Minimum of seven plus years of work experience the financial services field in lending, business development, public relations, branch development, credit analysis, finance or marketing
- Strong customer service, supervisory, sales, and business development skills
- Knowledge of applicable laws, rules, regulations, commercial lending practices, and guidelines
- Excellent interpersonal, sales, communication, and public relations skills; and a strong ability to build relationships
- Ability to interact and make presentations to senior management and some of the bank's retail, commercial and municipal banking customers
- Ability to readily identify short-term as well as long-term opportunities for financial improvement within the organization and then execute necessary plans to achieve results
- Proficiency in Microsoft Office software required
- Commitment to superior customer service
RequirementsMAJOR DUTIES & RESPONSIBILITIES:
- Conduct business development in the Bank's delineated commercial market, as well as potential new markets, including loan origination and relationship building
- Maintain excellent customer service, handle customer problems and complaints; counsel customers with special needs or requests.
- Assist with the collection of delinquent loans
- Review credit analysis for prospects and credit updates for current customers
- Present and review loan requests, as defined by board policy, with senior credit officers for their consideration and approval or rejection
- Provide and maintain a professional, business-like atmosphere within the lending department
- Assume community leadership and service responsibilities with focus on Community Reinvestment Act, by attending community events, such as Chamber of Commerce events, outside of normal business hours
- Proactively develop marketing strategies to create commercial credit and retail opportunities in accordance with the Bank's delineated goals
- Develop and maintain relationships with accounting firms, attorneys and real estate agents.
- Provide support to branch staff for new business development and maintenance of existing commercial and retail relationships.
- Protection of bank assets by supervising and providing guidance to direct reports
- Compliance with all applicable laws, rules, regulations, policies, procedures, and guidelines.
- Completion of the steps necessary, as specified by the Bank, to comply with the registration standards of the Secure and Fair Enforcement for Mortgage Licensing Act ( SAFE Act )and its implementing regulations
- Other duties as assigned
PHYSICAL DEMANDS:The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand; walk; use hands to finger, handle or feel; and reach with hands and arms. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.COMPLIANCE STATEMENTS:EQUAL OPPORTUNITY AND AFFIRMATIVE ACTION EMPLOYERBank of Greene County is a federal contractor and provides equal employment opportunity in all employment-related matters, including hiring, training, promotion, compensation, benefits, transfers and other personnel actions, without regard to race (including traits historically associated with race), color, national origin, age, religion, sex, sexual orientation, gender identity or expression, the status of being transgender, disability, genetic information, predisposition and carrier status, military or veteran status, marital and familial status, the status of being a victim of domestic violence, employee's or a dependent's reproductive health decision making (including, but not limited to, a decision to use or access a particular drug, device or medical service), known relationship or association with any member of a protected class, and any other characteristic protected by applicable law.BANK SECRECY ACT (BSA)Before assuming any duties, each employee will be trained in the proper filing and logging procedures for large currency transactions and the sale of monetary instruments.Each employee will immediately report suspicious currency transactions or activity to their immediate supervisor or the BSA Officer.All employees will become familiar with how their customers handle their accounts and will report any transactions that are not within the normal activities of the customer. The employee will be trained in compliance with the BSA, USA PATRIOT ACT and associated laws and regulations under the Bank's Compliance Program as it pertains to his or her job functions. Employees are expected to meet all compliance requirements as stated within the Bank's BSA/AML/CIP/OFAC Program. Failure to meet these compliance standards may adversely affect performance appraisals and may result in disciplinary action up to and including termination. Employee's compliance violations may result in termination, individual fines, and possible imprisonment.