Executive Job Description | This position will be the driving force behind the continued sustained growth of this 17-branch community bank. This role will manage the overall credit risk of the principal loan portfolios through effective planning, credit review, sales and lending techniques, as well as planning and directing all aspects of the operational policies, plans and initiatives in conjunction with the Executive Committee. This position will have a particular emphasis on commercial lending, loan monitoring, regulatory compliance and risk management for the organization. Qualified candidates will be responsible for the following duties:
« Responsible for working closely with the President/CEO and other senior management members to prepare and achieve strategic business initiatives, overseeing all bank loan policies and procedures, commercial lending operations strategies, underwriting and risk management and managing the overall credit risk of the loan portfolios
« Responsible for approving and monitoring loans to ensure credit quality, formulation of credit & loss reserve policy, and administration of Bank policies, procedures and business goals
« Set guidelines and policy related to the accurate and timely servicing of the loan portfolio, including loan documentation
« Develop long-term strategy for initiatives such as portfolio concentration, growth strategies and market concentration
« Recommend allocations to loan loss reserve, analyzing economic conditions, loan losses and trends and working toward corporate goals
« Serve as liaison between bank and auditors and regulators
« As security and compliance officer, will be responsible for the establishment, maintenance and monitoring of internal controls and compliance of board policies, state statutes and government regulations, especially adhering to regulatory guidance and federal and state laws
« Control bank quality, ensuring policy and guidelines are followed consistently by personnel, implementing best practices in lending and credit administration across the organization and promoting that culture
« Responsible for growing the team and supervising the activities of subordinates in credit review, appraisal review, risk management and commercial lending roles
The following qualifications and experience are necessary to be considered for this position:
« Bachelor‘¦s degree in Business, Finance, Marketing or similar
« MBA/graduate degree preferred
« Continuing Banking Education through certified institutions (Graduate Banking School, Kentucky Banking Association, etc.)
« 10 ‘V 15+ years experience within the banking industry, including a current background in commercial lending and risk management
« Knowledge of the banking industry procedures, workflow and regulatory requirements at a state and federal level
« Understanding of various credit structures, credit philosophy and credit underwriting
« Experience managing multiple lines of business in commercial lending and commercial banking operations
« Experience working with a Board of Directors and senior management
« Excellent communications (written, oral and computer) and interpersonal skills needed to work effectively within all levels of management throughout the organization
« Ties to a rural community are preferred in the ideal candidate. This bank is headquartered in the Appalachian Mountains and is approximately 90 minutes from the closest urban area
« Record of community involvement and leadership in civic organizations
Personal and professional motivations for candidates considering this position include:
« Opportunity for personal and career growth
« Opportunity to work at family-led (3rd generation) thriving community bank with a rich heritage
« Leadership, working directly with CEO/President
« Potential for a larger role and increased responsibility through succession, dependent upon results and outcomes
« The desire to be affiliated with and have a positive impact on a growth-oriented, community-based organization
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