Oversee all Ag. lending activity and manages the loan portfolio, including commercial, residential mortgage, consumer, and agriculture loans. Responsible for maintaining, expanding and actively building new client relationships that will promote and enhance growth and profitability. Maintain solid underwriting quality and compliance with all applicable laws, regulations, and bank policies.
Key Job Responsibilities
Be an active contributor and a strong supporter of the banks business development efforts with the emphasis on responsible loan growth, which includes making calls on prospective clients and presenting banking proposals to prospects.
Plan, organize and direct the workflow of the loan functions including lending, operations, and credit administration in accordance with guidelines, policies and procedures.
Chair the loan committee meetings to obtain loan approvals, exchange ideas, information and suggestions, and to review the application of lending policies, practices and procedures
Assure confidentiality of customer information and adhere to all operational, security, risk and regulatory policies and procedures.
Participate in management decisions pertaining to bank policy setting and strategic planning.
Network, develop partnerships, and actively participate in community organizations and activities (often leadership roles) acting to enhance the image of the organization.
Work closely with President to identify key strategies that drive the Company mission and vision.
Provide high level of quality service to our existing customer base.
Be a team builder and foster a positive work environment. Assist other employees and departments to promote teamwork and good communication.
Cultivate a culture that supports our core values through innovation, creativity, teamwork and diversity.
Other duties as assigned.
Education & Experience
Bachelor’s degree in business, finance, or related field.
Minimum 7 to 8 years of previous lending experience (preference given to those with demonstrated commercial, real estate and other lending success in a community bank environment).
Knowledge, Skills & Abilities
Basic computer literacy, with knowledge of computer software (i.e. Microsoft Windows Operating System and Office applications).
Well organized, accurate and detail-oriented.
Excellent analytical decision-making and problem solving skills.
Excellent leadership skills.
Excellent verbal, non-verbal, and written communication skills.
Ability to work under pressure and multi-task.
Ability to work independently or in team environment.
Strong reading, writing, and basic mathematical skills.
Excellent customer service and interpersonal skills.
Ability to resolve challenging customer and/or employee situations.
Ability to coach, mentor and lead a team of employees.
About STATE BANK & TRUST CO.
State Bank and Trust Co. was established in 1939. In 1983, SBT partnered with Ames National Corporation, a holding company of five central Iowa banks. State Bank & Trust Co., situated near Ames, continues to have an independent Board of Directors and autonomous policy and decision making authority while allowing employees and clients the benefits of the affiliation. State Bank & Trust Co. has experienced steady deposit growth since its inception. Our consistency and strong community involvement has allowed us to form a solid foundation. Good decisions and successful risk management has allowed the bank to be among the healthiest in Iowa.
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