• Identify and establish new referral sources through a variety of sales and marketing efforts 
• Produce, generate, and refer new loans and deposits in accordance with production goals and bank guidelines 
• Develop networking and calling program 
• Make generate management reports monthly 
• Correspond with clients to resolve questions regarding loan application information 
• Provide guidance and supervision for retail staff 
• Comply with the Bank Secrecy Act, OFAC and USA PATRIOT Act including Customer Identification Program, customer due diligence, identifying high-risk accounts,
• Reporting suspicious activities to Supervisor or BSA Department. 
• Adhere to applicable regulations, internal controls, policies, procedures and the Code of Conduct. 
• Complete all required training sessions related to these regulations 

Skills: Referral Development, Loan and Deposit Production, Networking, Report Generation, Client Communication, Staff Supervision, Regulatory Compliance, Training Compliance

• Grow, develop, and manage a strong portfolio
• Prepare Loan Committee presentations
• Increase market presence and calculate Risk
• Assist with some day to day operations at the bank
• Provide a great customer experience
• Identify and close new commercial loan opportunities
• Identify, prioritize, and develop strategies for high-value retention, expansion, and acquisition of client relationships
• Acting as relationship manager for assigned customers, ensuring customer satisfaction and the resolution of service problems for all bank products.
• Promote deposit products and services to customers and prospective customers.
• Represent the bank in civic and community activities to promote the image of Primebank within the market area.

Skills: Portfolio Management, Presentation Development, Risk Assessment, Operational Support, Customer Service, Business Development, Relationship Management, Community Engagement

• Develop the credit application and manage it through the credit decision-making process
• Perform analyses of financial statements, prepare presentations to credit committee
• Negotiate terms (collateral, covenants, pricing, and other components) of lending agreements with customers at the initiation of the process, lead the overall structure of each deal based on customers’ lending needs
• Bear overall responsibility for the loan closing process, ensuring legal documents reflect all terms as agreed to by the customer in addition to making sure required documents and signatures are in place for loan closing
• Act as a quarterback with respect to customer contact, determining the level of customer contact for each of the team members assigned to the customer
• Prepare credit summaries and interact with co-lenders and government agencies       
• Expanding customer base through networking and sales calling. 
• Soliciting the business of non-borrowing customers as well as loan customers. 
• Participating in community involvement activities to enhance the Bank’s visibility, image, and reputation.
• Delivering the quality of service as defined by department standards.

Skills: Credit Application Management, Financial Analysis, Negotiation, Loan Closing, Customer Relationship Management, Credit Summary Preparation, Networking, Community Engagement

• Develop a sales plan to prioritize and organize revenue generating sales opportunities.
• Visit with and counsel loan prospects and existing customers to develop information regarding loans, deposit accounts, other commercial needs, financial capacity, growth plans, and earnings.
• Obtain prospect referral information from current customers.
• Pre-screen candidates for loan qualification prior to submitting to underwriting for analysis
• Prepare loan packages and present to Loan Committee.
• Monitor current loans and credit lines to ensure conformity with loan terms and to detect slow payment trends or deterioration in collateral or the customer's financial condition.
• Perform collection duties on past due accounts.
• Adhere to bank’s Core Values
• Provide exceptional level of customer service to maintain and grow client relationships
• Comply with applicable laws, regulations and guidelines, as detailed in policies that include but are not limited to Bank Secrecy Act and other applicable anti-money-laundering rules, Fair Lending, Community Reinvestment Act, Gramm-Leach-Bliley Act, and other laws

Skills: Sales Planning, Client Counseling, Referral Generation, Loan Screening, Loan Packaging, Credit Monitoring, Debt Collection, Regulatory Compliance

• Establish and maintain positive relationships with existing and potential Commercial customers.
• Monitor and review commercial past due loans assigned, identify problem or delinquents accounts.
• Participate in the extension of credit to commercial loan customers.
• Direct and participate in the closing of approved Real Estate loan agreements, ensure that all required closing documents are prepared and processed.
• Receive and screen loan applications, request credit status, banking, and other references, conduct on-site inspections, order appraisals, etc.
• Review and evaluate customer applications for lines of credit or lines of credit extensions
• Authorize or recommend the approval of applications in accordance with established guidelines and policies.
• Direct and participate in the closing of approved commercial loan agreements.
• Responsible for compliance with all applicable laws and regulations to include the Bank Secrecy Act.
• Develop and maintain an active calling program for existing portfolio of customers providing all necessary banking services including loans, deposits, investments, and trust services as needed by the customer.
• Identify and manage call referrals/joint calls within the bank for other bank-related services for cross selling opportunities.

Skills: Relationship Management, Loan Monitoring, Credit Extension, Loan Closing Procedures, Loan Application Processing, Credit Evaluation, Regulatory Compliance, Cross-Selling

• Develop, manage, and grow a commercial loan portfolio.
• Review and analyze financial statements, tax returns and other related financial documents.
• Evaluate and underwrite all aspects of a commercial loan request, including but not limited to loan structure, real property, investments, pricing, market stability, past and future trends.
• Counsel existing and prospective commercial loan customers throughout the loan process.
• Negotiate terms and structure of commercial loan requests.
• Ensure compliance with bank lending policy, procedures, and regulatory procedures.
• Monitor loan portfolio to correct loan documentation exceptions.
• Service loan portfolio to reduce past dues and charge-offs.
• Monitor and make decisions on assigned commercial deposit accounts relating to overdrafts, service charges, return items, etc. for commercial customers.
• Work with existing commercial lenders and market president to identify and implement new ideas and market strategies to improve loan growth, cross-sells, marketing, and staff development.

Skills: Portfolio Management, Financial Analysis, Loan Underwriting, Client Counseling, Negotiation, Regulatory Compliance, Risk Management, Strategic Planning

• Proven ability to underwrite complex credits and negotiate terms and conditions with sophisticated borrowers.
• Experience in financial institution lending exhibiting increased level of responsibility and performance.
• Knowledge of lending compliance, policies, and procedures is essential
• Broad understanding of other Bank products and services.
• Superior written and verbal communication skills
• Exhibit and maintain a high degree of professionalism
• Maintain a high degree of confidentiality and integrity
• Ability to communicate effectively and professionally at all levels of the organization
• Excellent follow-through and time management skills
• Excellent attention to detail
• Strong PC, web, database/Excel knowledge 
• Must exhibit good business acumen
• Must possess a “can do” customer-service attitude/philosophy

Qualifications: BA in Management with 4 years of Experience

• Experience in generating commercial real estate and/or C&I loans in Western, Central and/or Finger Lakes regions of New York
• Strong track record of building profitable relationships with businesses in the market along with a strong network of COIs
• Ability to work as a resource to less experienced loan officers
• Ability to work independently and to prioritize multiple tasks        
• Proven track record prospecting and developing new Commercial Lending relationships.
• Experience in managing complex customer relationships.
• Must know the local market, and be involved in the community
• Strong credit skills.
• Advanced knowledge of commercial lending policies, procedures, and processes.
• Excellent communications skills and the ability to communicate with all levels of the organization.
• Strong background in financial and credit analysis and a knowledge of banking lending, policies and procedures.

Qualifications: BA in Marketing with 3 years of Experience

• Advanced experience, knowledge, and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Basic experience, knowledge, and training in all lending activities and terminology.
• Ability to read, and comprehend general business periodicals, professional journals, and technical procedures.
• Basic knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.
• Ability to exercise marketing and business development skills with customers.
• Intermediate math skills, calculate interest, commissions, proportions, and percentages, balance accounts, add, subtract, multiply, and divide in all units of measure
• Skills using whole numbers, common fractions and decimals, locate routine mathematical errors, compute rate, ratio, and percent.
• Effective oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures
• Skills write reports and correspondence, speak clearly to customers and employees.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.

Qualifications: BA in Accounting with 2 years of Experience

• Experience as a commercial lender or equivalent position.
• Strong sales, service, and persuasion skills plus strong credit and underwriting skills for commercial and commercial real estate loans.
• Knowledge of bank loan regulatory guidelines.
• Knowledge of regulatory guidelines.
• Excellent communication, management, analytical and interpersonal skills.
• Proficient in Microsoft Office software programs, especially Word & Excel.
• Experience in loan production in commercial and real estate lending, loan portfolio administration and product sales.
• Extensive experience evaluating various financial documents for lending purposes
• Must have strong relationship management skills for key commercial, small business
• Highly developed analytical and underwriting expertise with demonstrated selling skills

Qualifications: BA in Economics with 5 years of Experience

• Experience in a commercial loan, underwriting, banking, sales, or similar environment
• A firm comprehension of loan documents and required disclosures and regulations
• Results orientated sales ability with success in establishing and building customer relationships
• Proven concern for the quality of work, guidelines, processes, etc.
• Exceptional interpersonal and communication skills to be able to interact and communicate with a diverse group of clients
• Ability to exercise independent judgment and work with little to no supervision
• Demonstrated ability to represent the organization in a professional, positive manner
• Good accounting skills with the ability to work precisely with numbers and financial calculations
• Capability to maintain the confidentiality of customer information
• Ability to put forth the extra effort necessary to make the office a successful operation including the willingness to work additional hours (evenings and weekends), attend outside educational programs, seminars, etc.

Qualifications: BA in Business Administration with 3 years of Experience

• Direct lending experience, consumer, commercial, or mortgage
• The ability to register as a Mortgage Loan Originator through the Nationwide Mortgage Licensing System
• Previous experience with Microsoft Office products, including advanced use of Word and Excel
• Experience analyzing financial statements.
• Thorough knowledge of Federal and State regulations covering commercial banking activities.
• Strong analytical ability with effective written and verbal communication skills
• Commercial Lending experience as relationship manager with demonstrated business development experience.
• Banking experience, commercial lending ( Middle-Market ) experience.
• Experience in generating new business
• Strong technical and negotiating skills
• Be able to collaborate and work with others.

Qualifications: BA in Finance with 4 years of Experience