• Achieves or exceeds all loan production, loan funded, and credit quality goals, objectives, and expectations
• Ensures loans are renewed timely and delinquent loans are brought current
• Keeps abreast of changing business and economic developments which impact the loan portfolio and its profitability
• Collaborates with other lines of business to discuss referrals, closing of deals, and the implementation of banking services and strategies
• Ensures compliance with all bank policies, procedures, regulations, and laws
• Delivers excellent quality customer service consistently and adheres to department response turn around standards
• Leads initiatives, adds value, and supports the Bank’s vision, mission, core values, business principles, goals, and objectives
• Adheres to all policies, procedures, expectations, laws, regulations and training requirements
• Exceeds all established position goals, objectives and expectations
• Maintains professional and technical knowledge, keeps abreast of industry trends and developments related to position
• Attends, assists, and participates on bank committees and in community related events, projects and other activities

Skills: Loan Management, Economic Analysis, Business Collaboration, Regulatory Compliance, Customer Service, Leadership, Professional Development, Community Engagement

• Prepare management report summaries regarding book of business performance in particular as it relates to criticized or classified relationships.
• Perform all duties in compliance with policies and procedures of First Fed, and all applicable regulations of local, state, or federal regulators.
• Using approved forms, document all loan transactions in compliance with approved terms insuring desired borrower responsibility for debt with appropriate collateral perfection and other support  
• Exercise judicious use of expense accounts in the performance of sales duties.
• Identify opportunities for product development enhancements to portfolio offerings.
• Maintain a sound knowledge of Association policies, procedures, documentation, pricing and compliance needs in order to effectively exercise assigned responsibilities. 
• Participate in assigned training to support growth in functionality of position.
• Cross sell First Federal’s products and services, meet established personal goals and assist in meeting Branch, Regional, and Corporate performance and production goals.
• Ensure compliance with Bank Secrecy Act (BSA) regulations and other federal and state regulations pertinent to this position. 
• Complete annual BSA training in a timely manner in accordance with BSA regulations and internal policies and procedures.
• Manage a portfolio of larger business credits and provide financial solutions that address member needs.
• Creates new SBA 504 and SBA 7a loan business by persistently and strategically calling on new and existing centers of influence

Skills: Regulatory Compliance, Loan Documentation, Expense Management, Product Development, Policy Knowledge, Professional Training, Cross-Selling, Portfolio Management

• Support senior level Commercial Lenders in the preparation of loan approval packages and timely processing of new loan requests as well as monitoring and growing existing loan portfolios.
• Review and evaluate loan packages for completeness. 
• Follow up with customers for the timely receipt of financial statements to ensure renewals are processed 
• Obtain required financial, collateral, credit, business ownership/management, business history and other pertinent information and complete data entry into financial analysis software of financial information obtained as part of a new loan request, renewal, or review.
• Obtain and review routine reports and coordinate with the Commercial Relationship Managers on current and upcoming customer financial reporting requirements; delinquencies, overdrafts, loan maturities and periodic reviews.
• Provide summary presentation information to credit analysts to support completion of loan presentation packages. 
• Be available to address any questions that develop during the analysis of the loan request/file.
• Administer a portfolio for the developed book of business:
• Monitor the quality of the credits carried by assigned or developed relationships.
• Respond as appropriate to changes in risk in the portfolio, including the performance of, or support for, collection and workout activities 

Skills: Loan Package Preparation, Financial Analysis, Customer Follow-up, Data Entry Proficiency, Report Coordination, Presentation Skills, Risk Management, Portfolio Administration

• Develop commercial relationships for which to market the Bank's commercial, commercial real estate, multi-family, and consumer lending and deposit products in conformance with board approved policies and procedures and established growth goals per strategic and financial plan.
• Establish networks with branch management, community leaders and business groups from which to identify potential candidates. 
• Meet business call and sales goals as set by Senior Management and the Chief Lending Officer.
• Develop a strong understanding of the commercial customer’s business and servicing needs from which to propose specific First Federal product offerings to meet these needs.
• Establish and maintain effective working relationships and open communication channels with commercial loan customers. 
• Cultivate close working relationships with the clients to enhance knowledge of business conditions that speak to potential changes in risk profile (positive or negative) that might dictate a change in the business relationship with First Fed.
• Document customer relationship status and communications through file memos that provide detailed assessments and updates on the business which may be used to support credit requests and annual review needs by credit analysts, examiners and audit.
• Exercise responsibilities to attain profitability, quality and growth goals for assigned book of business. 
• Negotiate structure and pricing terms that are in compliance with organizational policy and meet profitability, growth and safety and soundness goals.
• Participate in institution-wide sales and service efforts designed to retain existing relationships and growth of new relationships while meeting deposit, loan and fee income goals.
• Recommend appropriate denied loans for exception approval.

Skills: Relationship Development, Networking, Sales Target Achievement, Customer Needs Analysis, Relationship Management, Risk Monitoring, Documentation Skills, Negotiation Skills

• Provide stellar customer service on both inbound and outbound calls 
• Assist borrowers per investor, company, and regulatory guidelines to resolve early mortgage loan delinquencies, which may include collection calls.
• Review and make recommendations to approve real estate taxes, release escrow surpluses, or request escrow analyses
• Collect annual property and borrower financials pursuant to the terms contained within the loan agreements, as required by individual investors.
• Monitor active trials through conversion to final modification according to the terms of the agreement.
• Set up payment arrangements, order payoff requests, and work in a structured and proactive manner to meet individual and department goals.
• Professionally handle escalated customer concerns, including research of loan documentations, correspondence, other matters as presented while following industry best practices.
• Promptly and accurately answer borrower inquiries regarding a variety of topics related to loan(s) including: loan histories, tax and insurance matters, year-end 1098 or 1099 reporting, website questions, service transfers, and more.
• Successfully meet monthly performance metrics and production goals on an ongoing and consistent basis.
• Issue posting instructions to cashiering based on the terms contained within the loan agreements
• Interview loan applicants and originate loans for centralized approval.

Skills: Customer Service, Debt Collection, Financial Analysis, Loan Monitoring, Goal-Oriented Performance, Conflict Resolution, Loan Origination, Regulatory Compliance

• Develop new and expand existing CRE banking relationships with Tier I and Tier II developers generally with credit needs of $2 million or greater per project
• Achieve assigned sales and profitability growth goals
• Serve as a trusted business advisor to clients and provide a full breadth of banking solutions to meeting financial objectives and needs
• Establish a network of referral sources and Centers of Influence with regular calling efforts to generate new business opportunities
• Manage a portfolio of relationships, ensuring an exceptional client experience, while appropriately managing risk, credit quality, servicing, etc. in accordance with Northwest standards and in partnership with a portfolio management team
• Guide deals through the underwriting and closing process, ensuring responsiveness to client and compliance with all Northwest standards and policies
• Present deals for credit approval
• Negotiate loan terms within acceptable Northwest standards
• Proactively keep abreast of industry trends and opportunities
• Work as part of a team, including credit administration, portfolio management, loan operations, risk management and product partners
• Represent Northwest by actively participating in community and networking events
• Ensure compliance with all regulatory requirements as well as bank policies

Skills: Relationship Management, Sales Achievement, Advisory Services, Networking, Portfolio Management, Deal Structuring, Industry Knowledge, Regulatory Compliance

• Willingness to speak up, ask questions, and challenge assumptions
• Ability to independently problem solve and leverage available resources
• Prior work experience in financial services, field examinations, specialty finance (non-regulated lending to consumers/small business), or credit analytics
• Extensive knowledge of credit-associated lending, financial strategy, and customer development
• Skills perceptive character judgment
• Ability to expand client relationships and product sales
• Ability to structure loans and monitor credit performance
• Good interpersonal and communication skills, strong sales ability
• Working knowledge of applicable lending policies, procedures, laws, and regulations
• Knowledge of software applications, including word processing and spreadsheets

Qualifications: BA in Accounting with 4 years of Experience

• Proven and progressive commercial lending/credit experience or equivalent.
• Experience with real estate or commercial lending risk analysis
• Developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
• Practical working knowledge of sales principles
• Detailed knowledge of credit analysis practice and procedure
• Familiarity with products and services offered by financial services institutions
• Effective oral and written communication skills
• Developed decision-making and persuasion skills
• Proven ability to build relationships
• Time management/organization skills
• Computer skills to include word processing and spreadsheet application
• Customer contact and sales and service skills

Qualifications: BA in Management with 3 years of Experience

• Extensive prior sales and prospecting experience to include development and review of financial portfolios with business members.
• Experience in a financial sales and/or banking sales role where acquiring and managing relationships has been critical to success.
• Must have a proven track record of credit/lending sales experience meeting sales quotas.
• Must have demonstrated ability to build a portfolio through strong business development skills.
• Ability to lead/conduct meetings with Business Members with guidance and direction for lending needs.
• Knowledge of finance and of consumer lending, including the processes to achieve solid underwriting decisions.
• Demonstrated knowledge and experience with Focus XP or similar operating systems.
• A track record of demonstrated credit/lending sales experience is strongly desired.
• Demonstrated ability to act as a mentor to junior RMs
• Developed negotiation skills
• Strong analytical skills, strong computer skills

Qualifications: BA in Marketing with 2 years of Experience

• Accurate typing, spelling, and grammar skills
• Proficient with applicable computer software
• Good written and oral communication skills
• Good organizational and customer service skills
• Lending and/or sales experience 
• Banking experience in general operations, lending, and regulatory compliance 
• Experience in business lending (commercial/ business banking, commercial real estate).
• Strong loan structuring and negotiation skills
• Able to effectively present to senior levels of the organization
• Demonstrated ability to work as a member of a team
• Experience in Commercial Banking or sales with Relationship Management experience

Qualifications: BA in Economics with 4 years of Experience

• Experience in production of Small Business lending with demonstrated success
• Demonstrates a strong understanding of the SOP and SBA One processing program
• Possesses SBA eligibility expertise, and a strong work ethic
• Strong knowledge of the credit approval process 
• Ability to gather and compile financial documents to submit with a complete credit package
• Proven ability to process and close a minimum of 7-10 SBA loans per year
• Willingness and ability to learn, understand, apply, and source loan products available through the USDA
• Demonstrates consistent professional appearance, behavior, image, high level of integrity, ethics and consistently represents the CTB Brand

Qualifications: BA in Finance with 5 years of Experience

• Experience in the financial industry 
• Thorough knowledge of Federal and State regulations covering commercial banking activities
• Strong analytical ability with effective written and verbal communication skills
• Commercial Lending Experience
• Strong Knowledge of Commercial Loans; Including processing and closing process.
• Strong credit analysis knowledge and a clear understanding of how to structure a deal
• Understand credit and know when/when not to bring a deal to the table.
• Solid Business Development skills, with proven success.
• Must be able to speak and understand fluent English.

Qualifications: BA in Business Administration with 3 years of Experience