VP Loan Officer & Market President

Job Summary:
Responsible for developing new business, underwriting, structuring, and the closing of commercial and agriculture loans, as well as maintaining and servicing an existing portfolio. Represents the bank in local community through active participation in community affairs and participates in marketing all of the bank’s products and services. The position typically requires a minimum of 50 hours of work per week Monday – Friday.

Core Values:
As an Astra Bank employee, it is required that your actions and behaviors align with our Core Values, which are the foundation of our Bank. Do The Right Thing- For everyone, every time. People First- Always build lasting relationships that are beneficial. No Hypocrisy- Our words and our actions align perfectly. Earn Trust- Be open, transparent and accountable – even when it’s uncomfortable. Teamwork- We are at our best when we combine all of our individual efforts. Flexibility- “The way we’ve always done it,” doesn’t automatically make it the right thing to do. These Core Values allow us to set the stage for excellence for our customers, our employees, our shareholders and our communities.

Core Competencies:

Analytical:

• Synthesizes complex or diverse information.

Delegation:

• Delegates work assignments, gives authority to work independently, sets expectations and monitors delegated activities.

Quality management:

• Looks for ways to improve and promote quality and demonstrates accuracy and thoroughness.

Strategic Thinking:

• Determines objectives and sets priorities; anticipates potential threats or opportunities.

Business Knowledge & Acumen:

• Understands key business drivers for performance and use of sound business practices.

Safety and security:

• Actively promotes and personally observes safety and security procedures, and uses equipment and materials properly.

Staffing Management

• Accommodates the needs of a diverse work force.

Conceptual Thinking:

• The ability to identify and evaluate resources and plan for the utilization through the execution of comprehensive, long-range plans.

Customer Service External:

• The ability and willingness to find out what the customer wants and needs and to act accordingly, taking the organization’s costs and benefits into account.

Customer Service Internal:

• Looks out for the best interest of the bank and fellow co-workers by giving and requesting assistance in a timely manner.

Accountability:

• Doesn't avoid personal responsibility.

Skills & Abilities:

• Internal / External customer relations skills
• Ability to work independently
• Self-Starter
• Good verbal and written communication skills
• Good knowledge of Bank, regulatory procedures, regulations, and foreclosure law
• Sound judgment and decision making abilities
• Strong oral and written communication skills.
• PC proficiency, especially in Microsoft Excel and word processing software, copy machine, fax machine, 10-key calculator and telephone.
• Proven track record in working with all levels of senior management.

Responsibilities & Duties:

• Monitor an existing commercial real estate loan portfolio to ensure proper risk ratings and early identification of potential problems.
• Monitor an existing agriculture loan portfolio consisting of operating lines of credit, intermediate and long term financing. The primary financing is situated around crop and cattle operations.
• Source, develop and underwrite new customer relationships and financing. This will be accomplished through development of an individual call program.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income, and selling of all bank products & services.
• Daily review, approval and disposition of commercial/ ag overdrafts.
• Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
• Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge.
• Other duties as assigned.

Market President Responsibilities:

• Ensure smart purchases by utilizing standard purchasing techniques, including obtaining multiple bids, working with our other branches to achieve economies of scale in our purchases, etc.
• Continually take the pulse of clients through informal telephone conversations, lunch meetings, industry events and formal customer satisfaction surveys. Ensure that quick and proper response to all reasonable customer requests. Is the point of contact for the community.
• Facilitates location and lending department meetings on a regular basis to ensure that all location employees understand the overall company goals. Reinforce continuously respectful communication between all departments. Reviews OD, past dues, loan maturity schedule, and loan pipe line.
• Ensuring the security and safety of staff and ensuring that the safety measures of each location is being met.
• Conducting weekly staff meetings.
• Responsible for the oversight of the location as a whole; ensuring all checks and balances of policies and regulations are followed.
• Responsible for being the point-of-contact for customers and employees.
• Making necessary adjustments if and when issues occur.
• Making necessary adjustments if and when issues occur.
• Attending monthly leadership meetings.

Requirements:

• Bachelor’s degree in Finance, Business, Economics, or Agriculture is preferred.
• Formal credit training.
• Minimum 5 years of lending experience.
• While performing the duties of this position, the employee is regularly required to alternate sitting and standing. Must also regularly use hands to finger, handle, or feel objects, tools, or controls. The employee frequently is required to reach with hands and arms and talk or hear. The employee is occasionally required to walk and periodically lift 20-40 lbs.

Astra Bank is an Equal Opportunity Employer. The preceding job description has been designed to indicate the general nature and essential duties and responsibilities of work performed by employees within this classification. It may not contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees to do this job.

At Astra Bank we are committed to creating a diverse and inclusive work environment. We believe in providing equal opportunities to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other characteristic protected by law. We are dedicated to fostering an environment where everyone feels respected, valued, and empowered to contribute to our success.