Commercial Banking Officer SVP

Forcht Bank•Covington, KY

About The Position

As an 8-time winner of Best Places to Work (in Kentucky), we understand the importance of creating a workplace culture that gives our bankers a purpose each and every day. That purpose is to find unique ways to deliver our brand of happier banking service to customers and other employees. We’re looking for self-starters, outside-the-box thinkers, customer service wizards, small business enthusiasts, and servants within their community. Notice we didn’t say bankers. At Forcht Bank we value diverse and unique thinking that could help us serve our customers better. That’s exactly who we are. What other banks do you know that have an Ice Cream Machine to hand out free ice cream and 18 foot tall forks outside their locations? WHO WE ARE While we opened our doors in 1985 offering traditional banking services, we soon realized we needed to deliver them in a nontraditional way. Financial services are a competitive industry, with over 5,000 banks and 5,300 credit unions. That’s a lot. We understand that we must differentiate ourselves by offering a unique combination of banking, consisting of exceptional customer service and with a twist of great digital banking tools to help our customers manage their basic needs. This is part of our happier banking recipe. Another component is encouraging our bankers to exemplify our values daily. We believe in: Giving back to our communities. Embracing change and evolution Building relationships based on trust and transparency Celebrating and embracing our diversity THE PERKS Our commitment is to grow and train happier employees, providing them with the skills to deliver happier banking and create happier customers. This is how we create happier employees at Forcht Bank: Competitive salary/wage Comprehensive benefits package to include: Health, Vision, & Dental Insurance 401(k) Retirement Plan with up to 4% Company Match (fully vested from day 1) Company Paid Life Insurance Minimum of 15 days of Paid Time Off (PTO) after 60-day introductory period Nine Paid Holidays, plus Birthday Leave and Community Service Leave Charitable donation match Employee celebrations Professional recognition And more!

Requirements

Proficient in the use of all Microsoft Office products, in particular Word and Excel; Bank information systems; Laser Pro and Internet research when appropriate.
Extensive background in financial institution operating policies and procedures and banking regulations including a thorough understanding of financial institution products and services.
Ability to read, analyze, and interpret industry information such as customer financial statements, tax returns, and complex technical documents.
Ability to effectively present information to management in verbal and written format.
Ability to work with a team and members of other departments of known concepts.
Ability to follow prescribed and detailed procedures to solve moderately complex problems and collect data, establish facts and draw valid conclusions.
Ability to give full attention to what other people are saying; taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Ability to communicate orally to others to convey information effectively.
Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar including the ability to comprehend written sentences and paragraphs in work related documents.
Ability to use logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
Ability to manage time and be efficient and effective in the completion of assignments.
Knowledge of those arithmetic, algebra, statistics, and their applications specific to the position.

Responsibilities

Develops and maintains customer relationships by calling on existing or prospective customers, including identification of prospects, suitable method of contact and determination of their needs and appropriate products and/or services.
Interviews applicants to develop information concerning their banking needs, explain the types of loans and other banking products available. Discuss options that are available, as well as the terms of those services.
Obtains information for loan applications and other banking products, explain the process and answer questions.
Analyzes applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
Obtains and compiles copies of loan applicants' credit histories, corporate financial statements, and other financial information.
Manages the loan application through the underwriting process to decisioning.
Stays abreast of new types of loans and other financial services and products to better meet customers' needs.
Stays abreast of regulatory compliance requirements, loan policy and operating guidelines.
Reviews and updates credit and loan files.
Submits applications to Central Retail or Credit Officers for underwriting and analysis, as applicable.
Submits necessary documents to Central Processing Department and Loan Processor for generation of loan documents.
Closes and funds loans within authority.
Manages credit and collection of payments up to 30 days delinquent for the life of the loan.
Monitors loan documents, including loan agreements to ensure borrower is in compliance with terms throughout life of loan.
Handles customer complaints as needed and takes appropriate action to resolve them.
Participates in outside community and charitable organizations on behalf of the Bank.
Manages daily NSF as assigned.
Other duties as assigned.