Branch President

Description POINTBANK BRANCH PRESIDENT Solicit, promote, market, and facilitate the overall sale of products of the bank. Contribute to the bank's growth by the effective sale of bank services outside PointBank premises to new and existing customers with emphasis on courteous and professional service. REPORTING RELATIONSHIP AND SCOPE This position reports directly to the EVP- Chief Sales and Service Officer. This position reports indirectly to the Chief Operating Officer FLSA STATUS This position is classified as Exempt under the Outside Sales Exemption of the FLSA.. OVERVIEW The purpose of this position is to: Grow the bank's commercial loan and deposit portfolio to meet bank goals and objectives. Service customers within existing personal portfolio. Develop new customer relationships through personal marketing efforts. ESSENTIAL JOB FUNCTIONS Through personal marketing and networking efforts, Branch President will target, solicit, and secure commercial loan deals outside of PointBank premises to meet personal production and overall bank goals. Input and update status of all leads and working customers into CRM to track progress and performance. Typically deals with largest and most complex real estate loans including investments, development, construction loans, etc. Familiar with a variety of the field's concepts, practices, and procedures. Obtain all required documentation from the customer and perform all credit and underwriting analysis needed to prepare a complete loan request package and/or presentation in accordance with bank policies, procedures and regulations. Verifies loan documents are complete and accurate according to policy. Maximize bank profitability through appropriate pricing of loan originations, fee income, and selling of all bank products and services. Approve loans within loan policy guidelines and up to amounts allowed in lending authority limits. Requests in excess of individual lending authority will be presented by Branch President to loan committees for approval. Ensure that approved loans are processed, closed and funded in an expeditious manner. Service existing portfolio. Monitor loans to ensure proper risk rating and identify any potential problems. Monitor loan maturity report and prepare renewals if needed. Monitor past-due loan report and call customer for payment. Monitor loan ticklers/exceptions reports and contact customers for the collection of new/current financial information, insurance or other items for loan covenant monitoring as necessary. Verifies loan agreements are complete and accurate according to policy. Process and approve loan modification and collateral substitution requests Perform loan monitoring duties for the bank to include site visits, construction monitoring, draw request, etc. A wide degree of creativity and latitude is expected. Requires a bachelor's degree in area of specialty and/or 8+ years of experience in the field or in a related area. Promote a positive image for PointBank and its employees in the community. Represent the bank out in the community at events, including, but not limited to, PointBank Business Breakfasts, chamber of commerce functions, mixers, charity events, golf tournaments, etc. Identify such events where there is the greatest potential to connect with potential commercial customers to develop leads. Follow up on leads with sales calls to potential customers at their place of business. Be fully cross-trained in all Banker and Teller duties to assist branch staff and customers whenever needed. Attend all meetings and complete all training required to ensure regulatory compliance. Comply with all applicable Federal and State regulations and guidance associated with the performance of your job function. Comply with all applicable BSA/AML/OFAC policies and procedures associated with the performance of your job function, including participation in required training and identifications of suspicious activity. Responsible for making suggestions to improve branch/departmental operations and overall bank. Perform other duties and assignments within the bank at Management's request; accept periodic cross-training, work in other branches when needed. EQUIPMENT USE, PHYSICAL & MENTAL DEMANDS, AND WORKING CONDITIONS Frequency: (R) Rarely 0-15%; (O) Occasionally (16-45%); (F) Frequently (46-100%) EQUIPMENT USE Telephones-F Copier/Fax Machine-O Computer-F PHYSICAL & MENTAL DEMANDS Light work-Exerting up to 20 pounds of force occasionally, and/or up to 10 pounds of force frequently to lift, carry, push, pull or otherwise move objects, including the human body. Stooping/Crouching-O Standing/Walking-F Sitting-F Pushing/Pulling/Lifting-O Fingering/Grasping-F Repetitive Motions-F Talking/Hearing-F Reading/Writing-F Close Visual Acuity-worker is required to perform such tasks as preparing and analyzing data and figures, transcribing, or viewing a computer terminal. Interpreting Data-F Problem Solving-F Making Decisions-F Organizing-F WORKING CONDITIONS Worker is subject to inside environmental conditions; protection from weather conditions but not necessarily from temperature changes-F Worker is subject to outside environmental conditions when traveling to visit customers and potential customers outside of the bank, or when traveling to required bank meetings and training sessions-F Worker is subject to local travel as required to call on customers and potential customers outside of the bank, or when traveling to required bank meetings and training sessions-F