Vice President, Commercial Lender

Additional Considerations (if any):

At Midwest Heritage, the core of our culture is taking care of the customer and taking care of each other. Our employees appreciate that their contributions make a direct impact on the success of our business as well as their own personal and professional growth.

Job Title: Vice President, Commercial Lender

Department: Banking

FLSA: Exempt

General Function

The Vice President Commercial Lender is responsible for business development and relationship management of basic to the most complex credits to solicit and originate agricultural and/or commercial business. Position consists of managing asset quality of Commercial portfolios, retention and overall relationship management of business banking.

• Customer Service
• Professionalism
• Sales
• Networking and relationship building
• Loan Knowledge

Accountable and

Reports to:

EVP, Senior Lender

Positions that Report to you: None

• Responsible for meeting or exceeding loan, fee, and deposit production goals.
• Ensure loan and deposit portfolio is in compliance with all legal and regulatory requirements to maximize profitability of the organization while minimizing risk.
• Prepare and present basic to the most complex credits, including write-ups. This will include analyzing financial and related data, summary of credit risks, identification of loan policy exceptions, proposed improvements to loan structure, and assessment of the loan rating.
• Develops key relationships in the market by promoting a positive image of Midwest Heritage in the community through active participation in professional and civic group activities.
• Provide loan operations the needed information in a timely manner to ensure credit files are up to date and in compliance as measured by technical exception report (tickler).
• Build additional relationships across Midwest Heritage banking (deposit, mortgage, etc.), financial and insurance services, to existing and potential commercial customers.
• Actively participates in the strategic planning, development and marketing of Ag and/or commercial loan programs including developing pricing strategies and completing assigned projects. Analyzes and monitors various industries, market trends, economic risks and other related factors to identify local agricultural and/or business development and service opportunities.
• Evaluate and monitor various industries, market trends, economic risks, and other related factors and make recommendations to lender and/or loan committee including ways to improve risk management processes.
• Mentors, trains and assists less experienced peers on complex credits.

• Commitment to the Midwest Heritage mission and willingness to promote the values of the organization.
• Strong organizational and time management skills with the ability to prioritize multiple tasks and meet deadlines.
• Proficient computer skills. Microsoft Office preferred (Outlook, Power Point, Excel and Word).
• Good verbal and written communication skills.
• Strong interpersonal skills; ability to relate to and interact with people in a friendly, professional manner.
• Strong detail orientation including the ability to review forms for accuracy and completeness.

• Bachelor’s Degree in Finance, Business or related field with a minimum of 7+ year’s commercial lending experience.
• Must have valid driver’s license and meet requirement for use of company vehicle.

• This position is classified sedentary/light and requires the ability to sit for long periods of time.
• Visual requirements include: ability to see detail at near range with or without correction.
• Must be able to perform the following physical activities: sitting for long periods, talking (in person and by telephone), hearing and repetitive motions.

• The duties of this position are normally performed in a general office setting. This is a fast paced work environment.
• There is frequent pressure to meet deadlines and handle multiple projects in a day.

Computer (PC with Microsoft Office programs), telephone, calculator, telephone, copier, fax, and printer.

This position works with Midwest Heritage employees, customers, Hy‑Vee employees, vendors and outside agents doing direct business with Midwest Heritage.

This position has the responsibility to protect the privacy and confidentiality of customers, employees and bank/insurance/financial information at all times.