Branch President

About the Organization
Point Bank has been an independent, locally-owned community bank serving Denton County, Texas since 1884 - over 135 years! Currently, we have nine branches conveniently located throughout Denton County. We, at Point Bank, would like to invite you to use our banking services, as well as consider joining our team of dedicated employees! Point Bank's mission is to make every customer feel like the only customer so they refer their family and friends.

To accomplish this, we provide a fun and professional environment where employees are challenged to be the best version of themselves.

Description

Solicit, promote, market, and facilitate the overall sale of products of the bank. Contribute to the bank's growth by the effective sale of bank services outside Point Bank premises to new and existing customers with emphasis on courteous and professional service.

FLSA STATUS

This position is classified as Exempt under the Outside Sales Exemption of the FLSA..

OVERVIEW

The purpose of this position is to:

Grow the bank's commercial loan and deposit portfolio to meet bank goals and objectives.

Service customers within existing personal portfolio.

Develop new customer relationships through personal marketing efforts.

ESSENTIAL JOB FUNCTIONS

Through personal marketing and networking efforts, Branch President will target, solicit, and secure commercial loan deals outside of Point Bank premises to meet personal production and overall bank goals. Input and update status of all leads and working customers into CRM to track progress and performance.

Typically deals with largest and most complex real estate loans including investments, development, construction loans, etc.

Familiar with a variety of the field's concepts, practices, and procedures.

Obtain all required documentation from the customer and perform all credit and underwriting analysis needed to prepare a complete loan request package and/or presentation in accordance with bank policies, procedures and regulations.

Verifies loan documents are complete and accurate according to policy.

Maximize bank profitability through appropriate pricing of loan originations, fee income, and selling of all bank products and services.

Approve loans within loan policy guidelines and up to amounts allowed in lending authority limits. Requests in excess of individual lending authority will be presented by Branch President to loan committees for approval.

Ensure that approved loans are processed, closed and funded in an expeditious manner.

Service existing portfolio. Monitor loans to ensure proper risk rating and identify any potential problems.

Monitor loan maturity report and prepare renewals if needed.

Monitor past-due loan report and call customer for payment.

Monitor loan ticklers/exceptions reports and contact customers for the collection of new/current financial information, insurance or other items for loan covenant monitoring as necessary.

Verifies loan agreements are complete and accurate according to policy.

Process and approve loan modification and collateral substitution requests

Perform loan monitoring duties for the bank to include site visits, construction monitoring, draw request, etc.

A wide degree of creativity and latitude is expected.

Requires a bachelor's degree in area of specialty and/or 8+ years of experience in the field or in a related area.

Promote a positive image for Point Bank and its employees in the community. Represent the bank out in the community at events, including, but not limited to, Point Bank Business Breakfasts, chamber of commerce functions, mixers, charity events, golf tournaments, etc. Identify such events where there is the greatest potential to connect with potential commercial customers to develop leads. Follow up on leads with sales calls to potential customers at their place of business.

Be fully cross-trained in all Banker and Teller duties to assist branch staff and customers whenever needed.

Attend all meetings and complete all training required to ensure regulatory compliance.

Comply with all applicable Federal and State regulations and guidance associated with the performance of your job function.

Comply with all applicable…