Market President - Central Iowa

Hy-Vee, Inc.•Grimes, IA

About The Position

At Midwest Heritage, the core of our culture is taking care of the customer and taking care of each other. Our employees appreciate that their contributions make a direct impact on the success of our business as well as their own personal and professional growth. Midwest Heritage Bank Job Title: Market President - Grimes Department: Insurance – Banking – Operations FLSA: Exempt General Function: Manages the day-to-day operations of the office. Assumes overall responsibility for all aspects of the facility. Develops and manages existing commercial and business accounts, cultivates new commercial and business prospects. Actively engaged and exhibits leadership in the community. Projects and manages the financial progress of the office. Meets established lending and compliance requirements, providing profitability to the bank while effectively managing and controlling the risk of the overall office, including commercial and business credit portfolio.

Requirements

Must have a friendly positive attitude, strong written and verbal communication skills and the ability to approach people.
Self-motivation, strong work ethic and the ability to build personal relationships.
Must be able to work independently with little daily supervision.
Must possess competitive spirit.
Excellent organizational skills, work with detail, high level of accuracy, and follow-up skills are required.
Required to be able to maintain a high degree of confidentiality.
Will always present themselves in a professional manner.
Must have proficiency of PC with Microsoft Word, Excel, Access, Outlook, Moody’s Web Equity
Bachelor’s degree.
Bank office management and experience in business lending.
Minimum of fifteen years of banking and lending experience.
Must have an active Nationwide Multistate Licensing System (NMLS) number. NMLS number must be maintained and all requirements adhered too. For employees new to the position the NMLS number must be obtained within 60 days.

Responsibilities

Ensures a competent, motivated staff through training, counseling, supervision, and review of department activity and results.
Manages the day-to-day loan, financial, compliance and business operations of the office.
Ensures the bank and employees are involved in the community and considered a key component of the community.
Cross-sells all Midwest Heritage products and services.
Identifies and contacts key prospective commercial and business customers in the market.
Document calls, contacts, all proactive behaviors and results in Salesforce. Share reports on all activity with supervisor weekly.
Stays abreast of all business-related activities and organizations in the community.
Responsible for initial discussion with loan applicants. Explains available loan programs.
Completes financial statement, cash flow, documents credit history and collects all required and supporting file and credit information.
Establishes and negotiates the terms under which credit will be extended, including the cost, repayment method, schedule and collateral requirements.
Makes business visits verifying assets and collateral such as inventory, equipment, etc. Makes credit recommendations and file comments based on the visits.
Closes loans as approved and releases loan funds and sale of products according to an approved cash flow and business plan.
Recommends lending area capital expenses and lending departmental changes to CEO and/or Senior Lender.
Assists in strategic planning and leads efforts to achieve objectives set for lending area of bank.
Assists with budget planning; projects lending area growth targets and adheres to budget
Works with executive team to meet strategic and budget targets.