Managing Director

Managing Director

Job ID

2024-11240

Job Locations

US-AL-Homewood

Overview

The Managing Director is an experienced level lending position primarily focused on middle market lending. This position is expected to meet loan production goals in addition to promoting other bank products and deposits.

This position must exercise sound judgement and maximize returns in conjunction with strict adherence to internal, state and federal guidelines.

Responsibilities

PRINCIPAL DUTIES AND RESPONSIBILITIES :

Achieve loan production goals, to include :

• Implementing an ongoing marketing plan to include making direct sales calls to prospects and customers
• Active involvement within the community and related trade groups
• Originating and underwriting loans, preparing the submission package and presenting for approval
• Working with internal partners and external parties to close the loan
• Responsible for ongoing loan servicing, including monitoring construction loans
• Maintaining accurate and up to date credit and collateral files
• Originate deposit accounts and cross sell other bank products and services
• Generate fee and other interest income
• Achieve profitability by properly structuring and pricing loans and facilitating other services
• Achieve credit quality goals related to :
• Past due and maturing loans
• Loan losses and deposit overdrafts
• Criticized assets and loans
• Documentation exceptions
• Consumer compliance
• Perform other related duties as assigned

Qualifications

KNOWLEDGE, SKILLS & ABILITIES :

• High School Diploma or equivalent; Bachelor's Degree with business focus preferred
• 5+ years in commercial lending with a focus on commercial and industrial lending is preferred
• Sales / business development skills and experience in the financial services industry
• Working knowledge of accounting, financial analysis, and loan underwriting
• Personal skills, ability to work with, motivate and manage people
• Organized and disciplined work ethic
• Ability to multi-task
• Advanced level of customer service skills
• Knowledge of Federal laws and regulations involving commercial and consumer
• Ability to analyze a credit application for completeness and for documents needed on all types of loans

PHYSICAL DEMANDS :

The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand or sit;

kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools or controls; reach with hands and arms, and talk or hear.

The employee is occasionally required to walk. The employee must occasionally lift and / or move up to 25 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.

WORK ENVIRONMENT :

The Bank's professional working environment requires employees to communicate effectively, both verbally and in writing.

Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients.

Employees may be exposed to confidential and propriety information within the working environment, therefore, must uphold confidentiality at all times.

Due to the possibility of being exposed to high risk situations (i.e. robbery), detailed instructions and procedures are required to be followed at all times to safeguard the Bank's employees, customers, and assets.

The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements.

The principal duties and responsibilities enumerated are all essential job functions except for those that begin with the word " May ".

This job description is intended to describe the normal level of work required by the person performing the work. The principle duties outlined are the essential responsibilities and duties.

Other duties may be assigned as needs arise. Job requirements and / or processes may be modified to reasonably accommodate persons with a disability as required by law.

This description is not intended as a contract and is subject to change. Any written contractual agreements supersede this job description.