Open Job Postings - Interstate Bank

Position Summary

Manage and coordinate the marketing, delivery and support of community bank services including loans and other banking products.  Coordinate and develop strategies that promote core deposit and loan growth by attracting new business and building relationships with customers.  Responsible for overall management of the market office.  Position Requires living and working in Perryton, Texas full-time.

Essential Duties/Responsibilities

·         Carry out the bank's vision and mission.

·         Provide overall management of designated market office and supervision and development of bank personnel, coordinating available resources (staff, materials, facilities, etc.) for maximum results.

·         Engage in business development activities to maintain and expand lending portfolio and deposit relationships.

·         Contribute to the overall profitability of the market office through revenue generation, marketing efforts and costs controls to ensure compliance with established budget.

·         Establish long-term relationships with the bank's staff, customers, business partners and community members/organizations.

·         Be responsible for instilling and maintaining a successful sales and service environment.

·         Assist and support in designing and marketing the bank's products and services.

·         Monitor the market office performance and lending portfolio, anticipate problems, and protect investments.

·         Assist with the preparation and oversight of the market office budget and lending/deposit goals.

·         Ensure enforcement/compliance with all relevant policies, procedures, and regulations.

·         Perform other related duties as assigned.

Education & Experience

• Bachelor’s Degree in Business Management, Finance, or another related field.
• Minimum 2 years of supervisory and leadership experience
• Minimum 5 Years’ Banking Experience
• Experience in developing, training, leading, inspire and motivating teams.
• Advanced knowledge of state and federal banking compliance regulations.

Working Conditions

Traditional retail office environment.

Physical Demands

Interstate Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. Please contact Human Resources with questions regarding the physical demands of this job.

This position is responsible for:

·         Conducts credit investigations, credit and loan analysis, underwriting and other documentation information pertaining to loan analysis

·         Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches

·         Analyzes financial statements and related material and makes recommendations for approvals of credits

·         Analyzes financial conditions and trends; reviews and reports non-compliance with loan covenants

·         Determines cash flow using appropriate tax analysis

·         Prepares summaries, presents facts, and offers opinions concerning credit-worthiness and any risk items or issues

·         Provides credit information and references for customers, loan officers, or other agencies as requested

·         Ensures that all credit files include current financial statements, agency reports, etc.

·         Make recommendations for loan structure

·         Maintains control over current accounts, noting payment progress, watching for any developing problems, and keep loan officers informed

·         Keeps abreast of all new credit regulations and laws and ensures compliance with such

·         May assist with projects as needed

Requirements for Application

·         Requires a Bachelor’s degree required in finance, business, accounting or relevant experience

·         2-5 years credit/financial analysis, lending, underwriting or other directly related experience

·         Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles

·         Experience working with various types of loans (i.e. commercial real estate, ag, oil and gas)

·         Basic working knowledge of credit risk, legal and regulatory requirements

·         An ability to work with all levels of our credit risk and lending officers

·         Has a strong sense of urgency and commitment to the loan growth goals

·         Solid client relationship and communication skills, both verbal and written

·         Ability to make sound decisions and recommendations regarding loans

·         Working knowledge of computer software programs (excel, word, etc)

Job Type: Full-time

Experience: Credit Analysis: 2 years (Required)

Education: Bachelor's (Preferred)

Location: Perryton, Texas