Market President

Midwest Heritage, A Hy-Vee Company•Chariton, IA

About The Position

The Market President manages the day-to-day operations and overall performance of the Chariton office, including its lending, financial, compliance, and business operations. The role develops existing commercial and business accounts, cultivates new prospects, supports the bank’s profitability while managing risk, and represents the bank through active leadership and involvement in the community. The Market President leads staff, contributes to strategic and budget planning, and works with the executive team to achieve lending-area and bank objectives.

Requirements

Bachelor’s degree.
At least 15 years of banking and lending experience.
Experience in bank office management and business lending.
Friendly, positive attitude; strong written and verbal communication skills; and ability to approach people.
Self-motivation, strong work ethic, and ability to build personal relationships.
Ability to work independently with little daily supervision.
Competitive spirit.
Excellent organization, attention to detail, accuracy, and follow-up skills.
Ability to maintain a high degree of confidentiality and present oneself professionally.
Proficiency with a PC and Microsoft Word, Excel, Access, Outlook, and Moody’s Web Equity.

Responsibilities

Train, counsel, supervise, and review department activity and results to ensure a competent and motivated staff.
Manage the office’s day-to-day loan, financial, compliance, and business operations.
Ensure the bank and its employees are involved in the community and recognized as a key community component.
Cross-sell Midwest Heritage products and services.
Identify and contact prospective commercial and business customers; document activity and results in Salesforce and report activity to the supervisor weekly.
Stay informed about business activities and organizations in the community.
Conduct initial discussions with loan applicants and explain available loan programs.
Complete financial statements and cash-flow analysis, document credit history, and collect required credit and supporting information.
Establish and negotiate credit terms, including cost, repayment method and schedule, and collateral requirements.
Visit businesses to verify assets and collateral, and prepare credit recommendations and file comments based on visits.
Close approved loans and release loan funds and product sales in accordance with approved cash flows and business plans.
Recommend lending-area capital expenses and departmental changes to the Senior Lender.
Assist with strategic planning and lead efforts to achieve lending-area objectives.
Assist with budget planning, project lending-area growth targets, and adhere to the budget.
Work with the executive team to meet strategic and budget targets.
Protect the privacy and confidentiality of customer, employee, bank, insurance, and financial information.
Follow state and federal regulatory requirements and complete assigned training within required timeframes.
Perform quality work within deadlines, interact professionally with employees, customers, and suppliers, and contribute effectively as a team member.
Work independently while communicating and coordinating work with other employees and organizations.