Commercial Banking Team Leader

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Regular Full-Time Loan Production Boise, , US 1 Attachments

Heritage Bank has an exciting opportunity to join our organization!

We are seeking a Commercial Banking Team Leader to join our Boise Commercial team. This position is responsible for the overall financial performance and management of an assigned commercial banking team and market area, and is accountable for developing and implementing a business plan to grow the assigned market area's portfolio, while monitoring the portfolio to insure credit quality standards and procedures are met.

This position is Full time and is fully on-site in Boise, Idaho.

$  - $ - $ annual

• Establishes and services a sound loan portfolio by cultivating new and expanding existing business through an effective calling program. Regularly achieves and/or exceeds agreed upon benchmarks and annual goals.
• Participates in the strategic planning process ensuring the market is identified, penetrated and managed to achieve and/or exceed bank goals.
• Develops annual business plan with Regional Manager to ensure maximum profitability and effectiveness.
• Regularly meets with bankers to ensure that individual goals and objectives are set, monitored and met in support of the Bank’s strategic plan relating to market penetration and production.
• Participates in coordinating the successful implementation of marketing and promotional programs within the assigned market area for new products and services. Maintains an awareness of competitive products, practices, rates and changes in the local market managed.
• Fosters and maintains cohesive partnerships and working relationships with all lines of business within the Bank to build a trusted and productive sales and service referral process.
• Prudently manages all expenses within or under budget. Contributes to the overall profitability of the bank through cost controls, income generation and marketing efforts.
• Develops and maintains a quality loan and deposit portfolio. Counsels clients on business plans and strategies. Increases outstanding loans and deposits and generate loan fee income consistent with annual goals.
• Develops and maintains an ongoing prospect list; cold calling on prospective customers/clients. Assists assigned team to call on non-customers; negotiate transactions; cross sell the Bank's products and services; and obtain approval for new loan requests.
• Analyzes and screens loan requests from team members. Prepares and presents for pre-flight, proper credit analysis on borrowing requests, recommending loan terms and conditions. Negotiates terms and conditions consistent with Bank policy, lending guidelines and Asset/Liability guidelines with Credit Administration.
• Initiates and develops new business through outside business development activities. Achieves annual growth goals for loans, deposits and fees to ensure the bank meets its overall financial targets and conforms to credit terms
• Ensures timely and thorough monitoring of all credits in individual portfolio, as well as assigned team members portfolio’s, through periodic reviews, continued analysis, proper credit quality grading, and proper documentation. Maintains ongoing contact with client to be kept current on significant changes in financial condition or operations. Remedies loan deficiencies when appropriate. Prepares and presents all required and requested loan reports in a timely manner.
• Makes recommendations on financial and organizational structure and other matters; visits plant or company sites as required. Ensures the sale of additional financial services. Analyzes credit to determine the ability of customers and prospective customers to qualify for ensuing borrowing requirements.
• Provides timely response to requests for extension of credit by approving loans within established lending limit or make recommendations on loans requiring higher approval authority
• Monitors the performance of the borrower over the life of the loan. Able to recognize developing problems and bringing them to the attention of management. For troubled credits, assists in developing a strategy to return the credit to a pass rating or exit strategy.
• Monitors past due reports to meet or exceed performance standards and make recommendations for changes to risk ratings, strategy of loans on administrative status,…