VP/Loan Officer - Iowa Market

This person will strive to maximize the profitability of the loan portfolio while maintaining credit quality and adhering to the bank’s lending policies. This position requires extensive credit analysis of new and existing loans. This person may serve on various committees as needed.

Essential Duties & Responsibilities:

• Prepares and presents loan requests for various Loan Committees with a thorough analysis and a recommendation.
• Ensures loans in assigned portfolio are in compliance with all bank, state and federal policies and regulations.
• Responds to customer’s inquiries regarding MIB’s loan services.
• Rates and grades the assigned loan portfolio in accordance with established bank policies.
• Analyzes information from both internal and external sources that reflects the credit worthiness of the customers, as well as the current merits of existing loans.
• Responsible for analyzing other loan officer loan requests and providing an individual approval/denial vote in senior loan committee.
• Monitors projects and conducts collateral inspections for properties securing loans in assigned portfolio.
• Counsels with other loan personnel about specific loan situations, including the Chief Lending Officer regarding developments with the loan portfolio.
• Maintains extensive contact with customers. Conducts relationships in a manner that will enhance the overall marketing effort of the bank.
• Actively participate and communicate in the team-based work groups that make up the credit department.
• Assists with process evaluation to enhance efficiency and performance of the department.
• Recommends loan review policy changes as necessary to senior management.

Additional Duties:

• Responsible for Bank Secrecy Act compliance where applicable in reference to this position.
• Other duties as assigned.

Competencies:

To perform the job successfully, an individual should demonstrate the following competencies to perform the essential functions of this position.

• Analytical - the individual synthesizes complex or diverse information.
• Problem-solving - the individual identifies and resolves problems in a timely manner and gathers and analyzes information skillfully.
• Oral communication - the individual speaks clearly and persuasively in positive and negative situations, demonstrates group presentation skills and participates in meetings.
• Quality management - the individual looks for ways to improve and promote quality and demonstrates accuracy and thoroughness.
• Judgment - the individual displays willingness to make decisions, exhibits sound and accurate judgment and makes timely decisions.
• Planning/organizing - the individual prioritizes and plans work activities, uses time efficiently and develops realistic action plans.
• Strong customer orientation.
• Computer proficiency: Word, Excel and Power Point.
• Good time management skills.
• Excellent attention to detail.
• Work well in a team environment.
• Able to maintain confidential information.

Supervisory Responsibility:

• This position has no supervisory responsibilities but may assist with the training of new employees in the department.

Work Environment:

• This role routinely involves standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical Demands:

The physical demands 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.

• Requires sitting, standing, bending and reaching. May require lifting up to 25 pounds. Requires manual dexterity sufficient to operate standard office machines such as computers, fax machine, calculators, the telephone and other office equipment. Requires normal range of hearing and vision.
• Ability to travel independently to meet with customers and/or attend various meetings, conferences, etc.

Position Type and Expected Hours of Work:

• This is a full-time position.
• Days and hours of work are Monday through Friday, 8:00 a.m. to 5:00 p.m. Flexible work schedules may be allowed when it is feasible, it allows the employee to perform the essential functions of the job and will in no way interfere with providing efficient and effective services.
• Ability to work varied hours/days as business dictates

Time Requirements & Travel:

• 50% Administrative/Organizational
• 50% Travel

Other Duties:

• Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

• Four-year degree preferably in finance, accounting or business-related area.
• Five years review and/or credit analysis experience in a bank/financial or regulatory setting.
• Five years of experience in lending and handling large commercial credits.
• Strong communication skills, both verbal and written.
• Ability to work with a variety of computer software.
• Knowledge of state and federal banking policies and regulations.