Commercial Loan Market Manager
Company Name:
Great Southern Bank
Job Responsibilities
Under limited supervision, but following existing policies and procedures as well as all applicable banking laws and regulations, including BSA and AML, is responsible for originating and servicing all types of commercial loans within established lending policies and guidelines. Responsible for interviewing loan applicants, explaining loan programs and underwriting loan requests. Directs the processing, documentation and closing of loan within his/her area of responsibility. Provides leadership and direction within specific business unit and keeps the Regional Managing Director informed regarding developments within his/her area, consulting with him/her on all major decisions.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Works closely with subordinate staff evaluating their performance, developing their abilities, and improving their output. Is responsible for the selection, placement, counseling, and salary administration of all staff in his/her areas of responsibility. This duty is performed daily, about 15% of the time.
2. Works with subordinate staff to ensure the accurate and timely achievement of all applicable production, credit quality and servicing goals and objectives. This duty is performed daily, about 15% of the time.
3. Responsible for the production of commercial loans, including: interviewing loan applicants, gathering applicable financial data, determining the business needs, identifying the appropriate loan product, assists with the underwriting process and makes recommendations for appropriate loan term and rate. This duty is performed daily, about 20% of the time.
4. Reviews and approves loans within authority level or if beyond authority level, determines whether the loan should proceed to the next level of approval. This duty is performed weekly, about 15% of the time.
5. Directs the processing, documentation and closing of loans in his/her area of responsibility and ensures full compliance with all applicable lending policies and regulations. This duty is performed weekly, about 10% of the time.
6. Responsible for monitoring loan repayment activities and taking appropriate action on past due accounts. This duty is performed weekly, about 10% of the time.
7. Responsible for developing new business and growing/retaining existing business relationships. This duty is performed weekly, about 15% of the time.
8. Perform any other related duties as required or assigned.
Minimum Education & Other Requirements
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
EDUCATION AND EXPERIENCE
Broad knowledge of such fields as advanced accounting, marketing, business administration, finance, etc. Equivalent to four years of college, plus 5 years related experience and/or training, and 2 years related management experience, or equivalent combination of education and experience.
COMMUNICATION SKILLS
Ability to read, analyze, and understand general business/company related articles and professional journals; Ability to speak effectively before groups of customers or employees.
MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.
CRITICAL THINKING SKILLS
Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.
REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
SOFTWARE SKILLS REQUIRED
Intermediate: 10-Key, Accounting, Spreadsheet
Basic: Alphanumeric Data Entry, Contact Management, Presentation/PowerPoint, Word Processing/Typing
INITIATIVE AND INGENUITY
SUPERVISION RECEIVED
Under direction where a definite objective is set up and the employee plans and arranges own work, referring only unusual cases to supervisor.
PLANNING
Considerable responsibility with regard to general assignments in planning time, method, manner, and/or sequence of performance of own work, in addition, the work operations of a group of employees, all performing basically the same type of work.
DECISION MAKING
Performs work operations which permit frequent opportunity for decision-making of minor importance and also frequent opportunity for decision-making of major importance, either of which would affect the work operations of small organizational component and the organization''s clientele.
MENTAL DEMAND
Very close mental demand. Operations requiring very close and continuous attention for control of operations which require a high degree of coordination or immediate response. Operations requiring intermittent direct thinking to determine or select the most applicable way of handling situations regarding the organization''s administration and operations; also to determine or select material and equipment where highly variable sequences are involved.
ANALYTICAL ABILITY / PROBLEM SOLVING
Moderately directed. Activities covered by wide-ranging policies and courses of action, and generally directed as to execution and review. High order of analytical, interpretative, and/or constructive thinking in varied situations.
SUPERVISORY RESPONSIBILITIES
Supervises a small group (3-7) of employees, usually of lower classifications. Assigns and checks work; assists and instructs as required and performs same work as those supervised, or closely related work, a portion of the time. Content of the work supervised is of non-technical nature, but presents numerous situations to which policies and precedents must be interpreted and applied.
Supervises the following departments: Assigned Commercial Loan Market
Carries out supervisory responsibilities in accordance with the organization''s policies and applicable laws. Responsibilities include interviewing, hiring and training employees; planning, assigning and directing work; appraising performance, rewarding and disciplining employees; addressing complaints and resolving problems.
RESPONSIBILITY FOR FUNDS, PROPERTY and EQUIPMENT
Occasionally responsible for organization''s property where carelessness, error, or misappropriation would result in moderate damage or moderate monetary loss to the organization. The total value for the above would range from $5,000 to $150,000.
ACCURACY
Probable errors of internal and external scope would have a moderate effect on the operational efficiency of the organizational component concerned. Errors might possibly go undetected for a considerable period of time, thereby creating an inaccurate picture of an existing situation. Could cause further errors, losses, or embarrassment to the organization. The possibility for error is always present due to requirements of the job.
ACCOUNTABILITY
FREEDOM TO ACT
Directed. Freedom to complete duties as defined by wide-ranging policies and precedents with mid to upper-level managerial oversight.
ANNUAL MONETARY IMPACT
Large. Job creates a monetary impact for the organization from $10mm to $50mm.
IMPACT ON END RESULTS
Moderate impact. Job has a definite impact on the organization''s end results. Participates with others in taking action for a department and/or total organization.
PUBLIC CONTACT
Regular contacts with patrons where the contacts are initiated by the employee. Involves both furnishing and obtaining information and, also, attempting to influence the decisions of those persons contacted. Contacts of considerable importance and of such nature, that failure to exercise proper judgment may result in important tangible or intangible losses to the organization.
EMPLOYEE CONTACT
Contacts with other departments or offices and also frequently with individuals in middle level positions; consulting on problems which necessitate judgment and tact in presentation to obtain cooperation or approval of action to be taken. Also, important contacts with associates as required in advanced supervisory jobs, plus frequent contact with senior level internal officials.
USE OF MACHINES, EQUIPMENT AND/OR COMPUTERS
Regular use of complex machines and equipment (desktop/laptop computer and software, road and production machines and equipment, etc.)
WORKING CONDITIONS
Normal working conditions as found within an office setting, wherein there is controlled temperature and a low noise level, plus a minimum of distractions.
ENVIRONMENTAL CONDITIONS
The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
PHYSICAL ACTIVITIES
The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.
Moderate diversity, low physical. Work activities which allow for a moderate amount of diversity in the performance of tasks which are not as varied as those positions with high-level diversity and decision-making.
While performing the functions of this job, the employee is continuously required to talk or hear; regularly required to sit; frequently required to stand, walk, use hands to finger, handle, or feel, reach with hands and arms; and occasionally required to stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision; distance vision; and color vision.
ADDITIONAL INFORMATION
Not indicated.
Great Southern Bank is an Equal Employment Opportunity Employer of Minorities, Females, Protected Veterans and Individuals with Disabilities
Department: Commercial Loans Ozarks I
City, State: Rogers, AR
Work Schedule: Monday - Friday
Shift Schedule: 8:30 am - 5:30 pm
Hours Per Week: 40 hours
Job Grade: 21Estimated Salary: $20 to $28 per hour based on qualifications.
Great Southern Bank
Job Responsibilities
Under limited supervision, but following existing policies and procedures as well as all applicable banking laws and regulations, including BSA and AML, is responsible for originating and servicing all types of commercial loans within established lending policies and guidelines. Responsible for interviewing loan applicants, explaining loan programs and underwriting loan requests. Directs the processing, documentation and closing of loan within his/her area of responsibility. Provides leadership and direction within specific business unit and keeps the Regional Managing Director informed regarding developments within his/her area, consulting with him/her on all major decisions.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Works closely with subordinate staff evaluating their performance, developing their abilities, and improving their output. Is responsible for the selection, placement, counseling, and salary administration of all staff in his/her areas of responsibility. This duty is performed daily, about 15% of the time.
2. Works with subordinate staff to ensure the accurate and timely achievement of all applicable production, credit quality and servicing goals and objectives. This duty is performed daily, about 15% of the time.
3. Responsible for the production of commercial loans, including: interviewing loan applicants, gathering applicable financial data, determining the business needs, identifying the appropriate loan product, assists with the underwriting process and makes recommendations for appropriate loan term and rate. This duty is performed daily, about 20% of the time.
4. Reviews and approves loans within authority level or if beyond authority level, determines whether the loan should proceed to the next level of approval. This duty is performed weekly, about 15% of the time.
5. Directs the processing, documentation and closing of loans in his/her area of responsibility and ensures full compliance with all applicable lending policies and regulations. This duty is performed weekly, about 10% of the time.
6. Responsible for monitoring loan repayment activities and taking appropriate action on past due accounts. This duty is performed weekly, about 10% of the time.
7. Responsible for developing new business and growing/retaining existing business relationships. This duty is performed weekly, about 15% of the time.
8. Perform any other related duties as required or assigned.
Minimum Education & Other Requirements
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
EDUCATION AND EXPERIENCE
Broad knowledge of such fields as advanced accounting, marketing, business administration, finance, etc. Equivalent to four years of college, plus 5 years related experience and/or training, and 2 years related management experience, or equivalent combination of education and experience.
COMMUNICATION SKILLS
Ability to read, analyze, and understand general business/company related articles and professional journals; Ability to speak effectively before groups of customers or employees.
MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.
CRITICAL THINKING SKILLS
Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.
REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
SOFTWARE SKILLS REQUIRED
Intermediate: 10-Key, Accounting, Spreadsheet
Basic: Alphanumeric Data Entry, Contact Management, Presentation/PowerPoint, Word Processing/Typing
INITIATIVE AND INGENUITY
SUPERVISION RECEIVED
Under direction where a definite objective is set up and the employee plans and arranges own work, referring only unusual cases to supervisor.
PLANNING
Considerable responsibility with regard to general assignments in planning time, method, manner, and/or sequence of performance of own work, in addition, the work operations of a group of employees, all performing basically the same type of work.
DECISION MAKING
Performs work operations which permit frequent opportunity for decision-making of minor importance and also frequent opportunity for decision-making of major importance, either of which would affect the work operations of small organizational component and the organization''s clientele.
MENTAL DEMAND
Very close mental demand. Operations requiring very close and continuous attention for control of operations which require a high degree of coordination or immediate response. Operations requiring intermittent direct thinking to determine or select the most applicable way of handling situations regarding the organization''s administration and operations; also to determine or select material and equipment where highly variable sequences are involved.
ANALYTICAL ABILITY / PROBLEM SOLVING
Moderately directed. Activities covered by wide-ranging policies and courses of action, and generally directed as to execution and review. High order of analytical, interpretative, and/or constructive thinking in varied situations.
SUPERVISORY RESPONSIBILITIES
Supervises a small group (3-7) of employees, usually of lower classifications. Assigns and checks work; assists and instructs as required and performs same work as those supervised, or closely related work, a portion of the time. Content of the work supervised is of non-technical nature, but presents numerous situations to which policies and precedents must be interpreted and applied.
Supervises the following departments: Assigned Commercial Loan Market
Carries out supervisory responsibilities in accordance with the organization''s policies and applicable laws. Responsibilities include interviewing, hiring and training employees; planning, assigning and directing work; appraising performance, rewarding and disciplining employees; addressing complaints and resolving problems.
RESPONSIBILITY FOR FUNDS, PROPERTY and EQUIPMENT
Occasionally responsible for organization''s property where carelessness, error, or misappropriation would result in moderate damage or moderate monetary loss to the organization. The total value for the above would range from $5,000 to $150,000.
ACCURACY
Probable errors of internal and external scope would have a moderate effect on the operational efficiency of the organizational component concerned. Errors might possibly go undetected for a considerable period of time, thereby creating an inaccurate picture of an existing situation. Could cause further errors, losses, or embarrassment to the organization. The possibility for error is always present due to requirements of the job.
ACCOUNTABILITY
FREEDOM TO ACT
Directed. Freedom to complete duties as defined by wide-ranging policies and precedents with mid to upper-level managerial oversight.
ANNUAL MONETARY IMPACT
Large. Job creates a monetary impact for the organization from $10mm to $50mm.
IMPACT ON END RESULTS
Moderate impact. Job has a definite impact on the organization''s end results. Participates with others in taking action for a department and/or total organization.
PUBLIC CONTACT
Regular contacts with patrons where the contacts are initiated by the employee. Involves both furnishing and obtaining information and, also, attempting to influence the decisions of those persons contacted. Contacts of considerable importance and of such nature, that failure to exercise proper judgment may result in important tangible or intangible losses to the organization.
EMPLOYEE CONTACT
Contacts with other departments or offices and also frequently with individuals in middle level positions; consulting on problems which necessitate judgment and tact in presentation to obtain cooperation or approval of action to be taken. Also, important contacts with associates as required in advanced supervisory jobs, plus frequent contact with senior level internal officials.
USE OF MACHINES, EQUIPMENT AND/OR COMPUTERS
Regular use of complex machines and equipment (desktop/laptop computer and software, road and production machines and equipment, etc.)
WORKING CONDITIONS
Normal working conditions as found within an office setting, wherein there is controlled temperature and a low noise level, plus a minimum of distractions.
ENVIRONMENTAL CONDITIONS
The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
PHYSICAL ACTIVITIES
The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.
Moderate diversity, low physical. Work activities which allow for a moderate amount of diversity in the performance of tasks which are not as varied as those positions with high-level diversity and decision-making.
While performing the functions of this job, the employee is continuously required to talk or hear; regularly required to sit; frequently required to stand, walk, use hands to finger, handle, or feel, reach with hands and arms; and occasionally required to stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision; distance vision; and color vision.
ADDITIONAL INFORMATION
Not indicated.
Great Southern Bank is an Equal Employment Opportunity Employer of Minorities, Females, Protected Veterans and Individuals with Disabilities
Department: Commercial Loans Ozarks I
City, State: Rogers, AR
Work Schedule: Monday - Friday
Shift Schedule: 8:30 am - 5:30 pm
Hours Per Week: 40 hours
Job Grade: 21Estimated Salary: $20 to $28 per hour based on qualifications.
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