SVP LENDING

SIGNATURE BANK OF ARKANSAS•Rogers, AR

1d•Onsite

About The Position

The SVP – Lending position is responsible for growth of a loan portfolio with strong asset quality by using sound underwriting practices and conforming to bank policy and regulatory guidelines. This position will also be expected to help mentor junior lenders by assisting with client calls and building those new relationships. This position will maintain a presence in the community through volunteer activities while actively promoting all bank products and services to fulfill customers’ banking needs.

Requirements

College degree (or equivalent work experience) required with emphasis in finance / business preferred.
Completion of advanced commercial lending school.
5 years of lending experience required.
Ability to effectively communicate courteously and professionally in English (both written and oral) with customers and team members.
Must have a good understanding of debt to income, debit coverage ratio, balance sheets, profit and loss statements, and complex tax returns.
Must have advanced understanding of underwriting with the ability to discuss complex financials and global cash flow.
Ability to recognize and address declining credit.
Knowledgeable of the profitability of the entire bank.
Advanced understanding of all types of collateral and how it pertains to risk and yield.
Must project friendly, courteous, and professional image at all times.
Effective listening skills and the ability to maintain confidentiality.
Sound reasoning and judgment skills with the ability to problem solve and make proper decisions.
Requires strong sales experience and the ability to handle high stress situations.
Must be able to work in a team environment as well as promote the team concept in everyday actions.
Ability to utilize all necessary software applications as well as Microsoft Office
Good interpersonal communication skills to effectively relate to all levels of the bank staff and customers.
Must possess general knowledge of all banking services in order to match the needs of the customer with the best suited bank products/services.

Responsibilities

Exhibit a sense of urgency to provide the finest customer service at all times and in all forms of verbal and written communication.
Maintain and grow a large loan portfolio and customer base by adding new clients and maintaining a strong pipeline of new business with strong asset quality.
In depth knowledge of the bank’s loan policy.
Make timely and sound loan decision; keep charge-offs at a minimum level.
Work closely with Loan Coordinator and the lending team.
Assist other lenders in portfolio management with technical exceptions, past dues, renewals, loan yields, and working pricing model.
Work past dues, understand and clear technical exceptions, and work renewals in a timely manner.
Be an active and engaged member of the Executive Loan Committee; demonstrate understanding of the individual loans presented and how they fit into the bank’s larger portfolio management on yield and loan type.
Make regularly scheduled calls to clients outside of the bank; analyze potential loan markets and develop referral networks in order to grow the loan portfolio and deposit base.
Understand involvement in the community and being to produce business and recognition through good community work.
Recognize cross-sell opportunities outside of own product specialty and refer to correct Banker to fulfill all of customer’s banking needs.
Perform all other tasks requested as they relate to the Bank and its functions.
All team members are accountable for compliance with all laws, regulations and adherence to established internal controls and procedures when performing their job duties.
Each team member is expected to be familiar with the legal and regulatory requirements and internal controls affecting his or her job responsibilities.
It is the affirmative duty of each team member to carry out these responsibilities at all times in a manner that complies with all applicable legal and regulatory requirements and internal controls.
All team members shall be responsible for communicating upward, problems in operations, noncompliance with the code of conduct, or other policy violations or illegal actions.
Team members must participate in required training on pertinent compliance laws and regulations as required by Signature Bank of Arkansas.
All team members will be committed to maintaining a high level of compliance with the Bank Secrecy Act and Anti Money Laundering, USA PATRIOT Act and Financial Recordkeeping regulations recognizing that all three acts are important tools in federal efforts to combat organized crime, terrorism and drug trafficking.