Commercial Lending Officer IV (exempt), Commercial Lending

Equal opportunity employer as to all protected groups, including protected veterans and individuals with disabilities

Develops and manages a commercial banking relationship within the established policies of the Bank.

Works primarily from one of the Bank’s urban market areas (Lexington, Louisville, Northern Kentucky) and has a minimum of 5 years commercial lending experience in an urban market with proven record of handling complex commercial loans and high levels of commercial loan production.

Bachelor’s or Associate’s Degree in finance, accounting or related area and experience noted above.

• Good computer skills, with a working knowledge of WORD, Capital Stream, EnAct, Appro and Excel.
• Excellent verbal and written communication skills
• Proven strength in credit analysis, problem solving, negotiation, business development, organization, time management, interpersonal skills and customer service.

• Maintains and manages a commercial loan portfolio for operating companies and the key individuals within those companies to include: receipt of loan request, evaluation of financial statements, structuring loan with respect to rate, term and collateral to remain competitive and maximize profit, cross-sell other bank services, and monitor repayment activity to keep past due accounts under control in accordance with the established policies of the Bank.
• Develops and manages commercial deposit accounts and personal deposit accounts in a manner that will provide the bank with maximum profitability.
• Represents the bank on various civic boards and in community activities. Makes presentations to schools and civic groups on lending-related topics. Participates in bank programs for college interns, EBCE students and shadowing.
• Assists in the preparation of the departmental budget.
• Develops and maintains an active prospect base for solicitation purposes in order to expand the existing loan and deposit base.
• Actively participates in the Officer Call and Sales Integration Programs to develop new lending and/or deposit relationships for the bank.
• Assists in the development of intermediate goals and long term objectives for the Commercial Lending area.
• Performs other duties as assigned.

• Health Insurance
• Dental Insurance
• Vision Insurance
• Paid Vacation
• Paid Holidays
• Employee Stock Ownership Plan
• 401k Plan
• Flexible Benefit Plan
• Voluntary Life Insurance
• AD&D Insurance
• Discounted Banking Services
• EAP (Free counseling sessions)
• Discounted AAA Membership
• Fitness Discounts
• Vacation Purchase Plan
• Interest-Free Computer Loan
• Interest-Free Fitness Equipment Loan
• Service Awards
• Attendance Awards
• Funeral Leave
• Subsidized Parking (Downtown)
• Sick Leave
• Educational Assistance Program
• Employee Wellness Program
• Dell Computer Discount
• Discounted Tickets
• Cell Phone Discount
• Jeans days to benefit local charities
• Paid Identity Theft Protection
• New Hire Incentive (for hourly employees)
• Personal Day
• Birthday Holiday
• Wedding Days
• Appointment Time
• Long Term Disability
• Life Insurance (2x salary)