Commercial Lease Banking Officer

Central Bancompany • Des Peres, MO

6d

About The Position

The Commercial Lease Banking Officer establishes the business systems needed to originate commercial equipment lease and loan transactions and manages and grows the related portfolio. The role originates commercial equipment leases and requires experience in portfolio management, pricing, negotiation, and equipment remarketing. The officer conducts business in accordance with Bank policies, procedures, systems, its corporate code of conduct, the Bank Secrecy Act, and applicable state and federal laws and regulations.

The position designs and implements a commercial equipment leasing product and service, markets lease services to current and prospective customers, coordinates and executes lease transactions, and analyzes transactions and the portfolio for financial soundness and risk. It also supports customer relationships and other business units, provides production reports to senior management as requested, and meets Central Bank’s six standards of Living Legendary. Other duties, training, or work at assigned locations may be assigned as needed.

Requirements

• Bachelor’s degree or equivalent combination of education, training, and experience that provides the required knowledge, skills, and abilities.
• Five or more years of credit origination and analysis experience.
• Detailed knowledge of bank leasing and lending procedures and policies, state and federal lending regulations, lien laws, collection and bankruptcy regulations, and loan documentation.
• Previous experience structuring and negotiating commercial equipment lease agreements, including operating and capital leases.
• Previous experience or extensive knowledge of commercial equipment leasing documentation, residual setting, equipment remarketing, lease servicing, and tax administration.
• Demonstrated success in negotiation and sales, with experience giving sales presentations.
• Strong ability to analyze financial statements and credit risk, and good judgment.
• Ability to make critical decisions independently, research and solve problems, work independently, handle confidential information, and manage multiple tasks.
• Highly motivated self-starter with thorough knowledge of bank products and services.
• Ability to read, write, and speak English.
• Excellent verbal, listening, and communication skills; strong customer relations skills; and ability to work cooperatively with employees and customers.
• Ability and desire to work as part of a team and with people of diverse backgrounds.
• Strong organizational skills and attention to detail.
• Ability and desire to represent Central Bank of St. Louis in the community.
• Willingness to take on additional responsibilities, duties, and projects as they arise.
• Ability to operate office equipment, including PCs, calculators, telephones, voicemail, copiers, and fax machines.
• Ability to interpret instructions in written, oral, diagram, or schedule form.
• Ability to drive a vehicle and maintain a current, valid driver’s license and an acceptable driving record for bank insurance purposes.

Responsibilities

• Design and implement a plan for a commercial equipment leasing product and service.
• Actively market lease services to existing and prospective customers.
• Maintain and grow the portfolio as determined by senior management.
• Coordinate, prepare, and execute lease transactions.
• Analyze transactions and the portfolio for financial soundness and potential risk.
• Work with existing customers to maximize leasing and service opportunities.
• Build partnerships that strengthen relationships with other business units.
• Provide production reports to senior management as requested.
• Meet the expectations defined in Central Bank’s six standards of Living Legendary.
• Assist others as needed and perform other assigned duties, responsibilities, work, or training.

What This Job Offers

• Job Type: Full-time