VP/Commercial Lender

FIRSTAR BANK•Fort Smith, AR

About The Position

Responsible for business development and growth of commercial loan and bank products, plus management of a loan portfolio comprised of small to medium size loans.

Requirements

Thorough understanding of commercial lending principles and practices as well as knowledge of government and compliance regulations.
Advanced financial analysis skills, strong negotiation and sales skills.
In-depth knowledge of credit analysis.
Well-organized and good time management skills.
Ability to build professional relationships with coworkers and customers.
Excellent written, verbal, and presentation skills.
Strong sense of initiative; self-motivated; work well without close supervision.
Interpersonal skills with all levels of the organization to include coaching and management.
Strong computer skills; proficient in Microsoft Word, Excel and Outlook.
Minimum three (3) years of portfolio management experience.
Bachelor’s Degree or equivalent of five (5) years of work experience.

Responsibilities

Build relationships while interviewing loan applicants to gather information concerning their needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
Develop and manage commercial and consumer loan portfolios including maturing loans, past due loans, exceptions and deposits.
Make decisions on loans and terms if within own lending limits or make recommendations to the Executive Loan Committee when necessary.
Analyze loan requests and develop written proposals to the Executive Loan Committee.
Ensure timely delivery of technically accurate spread sheets, loan monitoring activities, and annual exposure reviews to facilitate a sound credit portfolio.
Manage maturing loans, past dues, exceptions, and deposits of the portfolio.
Coordinate the origination and closing of loan requests.
Ensure compliance to government regulations and bank policies.
Network in the community to develop relationships and create new business opportunities including commercial and consumer loans, real estate loans, deposit products, investment products and treasury management products.
Direct and assist support staff, as needed.
Represent Firstar Bank in various civic and community functions to further enhance its image and develop or promote additional business/consumer relationships.
Project a positive and helpful image to all customers of the bank.
Complete annual training as required.
Participate in bank/community activities.
Other duties as assigned.