This position will service the West Region of Tompkins VIST Bank
General Responsibilities: Responsible for working as an active member of the banks sales/service commercial lending department; providing commercial customers with direct service relating to the banks commercial services portfolio with an emphasis onSmall Business; developing customer relationships so as to take advantage of additional selling and cross-selling opportunities; communicating with sales and lending management personnel with respect to sales objectives, sales performance, and other factors affecting the sales/service function; providing required information on sales and service activities, generating and maintaining a profitable quality commercial loan portfolio. Responsible for marketing, sales, quality, co-ordination, policy conformance, training, reporting documentation for banking products and services. Promoting the banks CRA requirements and policy; adheres to FDICIA and compliance procedures as they apply to the banks lending activities.
Essential Duties: Jointly establishes quantitative sales objectives, with assigned supervisor on an annual basis; this activity to be integrated with the Commercial Lendings annual marketing/sales plan; Solicits new business from present and prospective customers; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities; Provides sales information on a timely basis in order that this information may be included as part of monthly and year-to-date sales performance reports;Monitors individual sales performance versus objectives on a monthly basis utilizing banks sales information system; discusses performance with appropriate supervisor on a frequent basis; Maintains a thorough knowledge of the features and benefits of all bank commercial credit products and services, in order to ascertain customer needs and to sell in conjunction with these needs; Provides direct service to commercial customers with respect to deposit, loan, and other miscellaneous products and services, if applicable, approves or rejects loan applications within individual lending authority; Assists customers in obtaining specialized services from other bank departments as necessary; provides help to customers with specific inquiries of service problems; Prepares various forms and reports and provides information as requested from appropriate supervisor or departments; Maintains a working knowledge of bank operating policies and procedures which impact commercial services. Maintains working knowledge of banks FDICIA and compliance procedures/policies;Maintains working knowledge of loan documentation procedures; Responsible for early detection, reporting, and monitoring of problem credit. Responsible for quality of own loan portfolio.
Required Education, Training, Experience: College education or extensive applicable experience beyond high school; Proficient reading, writing, grammar and mathematics skills; proficient interpersonal relations, communicative, and sales skills; proficient appropriate analytical skills; a thorough knowledge of the features and benefits of all bank commercial products and services; a working knowledge of bank operating policies and procedures which impact commercial services; Prior commercial lending with an emphasis on small business; minimum five (5) years experience in commercial credit analysis/commercial lending.