Toledo Region Jobs

Summary/Objective
Responsible for commercial business development and portfolio management for new and existing clients.

Essential Duties & Responsibilities
The following duties are normal for this position. These are not to be construed as exclusive or all-inclusive. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Manages and/or coordinates the sales and financial analysis process for commercial loans.
a. Sales process consists of focusing on profitable opportunities, maintaining an extensive network of contacts, and building relationships with key influencers to drive profitable business.
b. Financial analysis process consists of gathering facts, ideas and opinions needed for analyzing situations, solving problems and making decisions, asking questions to improve understanding and preparing analyses of personal financial statements and tax returns.

2. Exercise prudent judgment in making lending decisions and recommendations to assist the Bank in meeting its strategic objectives.

3. Ensures maintenance of consistent file management, documentation and loan administration process. Manage portfolios in accordance with the Bank’s policies and procedures.

4. Identifies needs of existing clients and recommends solutions based upon bank’s credit policy and proper loan structuring, including providing necessary supporting information for credits to be underwritten.

Competencies

1. Gold Standard / Client Relations
2. Accountability / Dependability / Reliability
3. Integrity / Ethical Conduct
4. Teamwork / Interpersonal Skills / Active Listening
5. Job Knowledge / Job Responsibilities
6. Business Development
7. Accuracy / Thoroughness / Attention to Detail
8. Technical Aptitude
9. Professional Verbal & Written Communication
10. Organizational Skills / Time Management
11. Responsive and flexible to other duties as assigned on an intermittent or regular basis as needed.

Work Environment

This position operates in both an office and field-based environment. While performing the duties of this role, the employee regularly uses standard office equipment, including computers, phones, photocopiers, scanners, and filing systems. The role also requires regular travel to client locations, industry events, and other business-related meetings, with work performed in a variety of professional settings outside the office.

Physical Demands

This position is primarily performed in a field-based sales environment and requires frequent travel to client and prospect locations. Responsibilities are carried out while sitting, standing, walking, driving, and occasionally climbing stairs. The position may require lifting and carrying materials weighing up to 25 pounds. The physical requirements described are representative of those necessary to successfully perform the essential functions of this role. Reasonable accommodations may be provided to qualified individuals with disabilities to perform the essential functions.