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We are always looking for good people.  

Currently, we have three positions open; 

  • Senior Credit Analyst/Underwriter 
  • Credit Specialist/Loan Processor
  • Vice President, Retail Banking Operations

Scroll down to see full descriptions. 

Send resumes to mspencer@southstorybank.com.

 

SENIOR CREDIT ANALYST/UNDERWRITER

SCOPE:

The Senior Credit Analyst position will report to the Sr. Vice President/Chief Credit Officer. There are four primary responsibilities to this position. First, this position will serve as the loan analyst for the commercial department and provide support for SSBT Commercial Lending. This will include loan analysis and preparing the loan presentations for credit committee. Second, this position will help control the quality of the portfolio through accurate risk rating and periodic file review. Third, this position will help adhere to policy and assist with implementation of procedures for commercial lending. Fourth, this position will various aspects of loan servicing including new loan activity, controlling past dues and loan file exceptions and generally controlling the quality of own loan portfolio.

 

ACCOUNTABILITIES:

Loan Analysis: 

  • Act as the commercial loan analyst and/or underwriter. The responsibilities include functions such as; risk rating, collateral, exam liaison, loan loss reserve calculation, watch list and cash flow spreads.
  • Perform the functions in the loan analysis software for all loans within the bank’s set criteria. This will help the bank determine cash flows and forecasts for loan customers and prospects.
  • Responsible for loan review. Loan review includes examining files for existing loans to make certain they meet the bank’s credit standards and documentation requirements
  • Help prepare the loan presentation for credit committee. 
  • Directly involved with liaison with external credit examiners.
  • Help write commercial procedures to complement policy.
  • Prepare packages to submit to SBA for approval and knowing the different programs they offer.
  • This position will train and develop junior analysts to develop their talents with loan analysis responsibilities.

Loan Review and Control: 

  • Periodically review commercial, consumer and real estate loans for documentation, collateral and compliance.
  • Assist with managing OREO properties as they may occur from time to time.

Loan Policy: 

  • This position will help monitor compliance within the loan policy. This may include lending limits, types of loans and collateral.
  • Loan policy will need to be periodically reviewed and approved through management by the board of directors.

Other: 

  • This person will represent the bank in the community, and be involved in community and civic functions as a representative of the bank.
  • Fulfill compliance requirements as directed by the bank loan policy and other pertinent policies.
  • As part of the overall bank team, this position may be requested to assist in the support of other bank activities.

COMPETENCIES:

Adaptability:

  • Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations.

Analytical:

  • Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.
  • Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data; Designs work flows and procedures.

Customer Orientation:

  • Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers; personal attention to promote individual customer satisfaction, public perception, and reputation of the organization.
  • Takes advantage of opportunities to refer the services offered by the organization. Promotes the company’s image of a supportive corporate citizen within the community.

Commercial Lending and Analysis:

  • Must understand commercial lending and loan analysis in a community bank environment. This includes loan loss calculations and various calculations needed to determine the viability of a specific loan.

Co-Worker Relationships:

  • Must be able to cooperatively and respectfully interact with co-workers to promote an effective, productive team. Sets a positive example for other co-workers.
  • Promotes teamwork from one work unit to another, recognizing the necessity of interdepartmental cooperation and the importance of the contributions of others for the successful achievement of the organization’s goals and objectives. Values and builds effective relationships across all functions. Live the Purpose, Partners, Values and Team Promises.

Oral/Written Communication:

  • The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences.
  • Pursues training and development opportunities.

Problem Solving:

  • Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in-group problem solving situations.

Professional Conduct:

  • Must be able to conduct oneself in a professional manner that promotes trust in the individual and the organization.
  • Fiduciary responsibility for the safekeeping and management of valuable assets and highly confidential, sensitive information, which requires ethics and professionalism beyond reproach.

Project Management:

  • Completes projects on time and budget.
  • Deadlines are met and customer services are expediently delivered.

Time Management:

  •  Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.

EDUCATION AND SPECIAL REQUIREMENTS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Bachelor degree (B.A.) with major in Finance or Accounting from four-year college or university; or five to ten years of related experience and/or training; or equivalent combination of education and experience.
  • Minimum of five years commercial underwriting or commercial loan review related experience.
  • Have the ability to analyze a wide variety of commercial loans, including commercial real estate, ADC, and C&I.
  • Knowledge and understanding of federal and state banking / lending laws and regulations.

This job requires skills needed in a typical office environment. This includes computer skills, communications skills, as well as, utilization of office equipment. Qualified applicant should be proficient in Microsoft Word and Excel, financial statement spreading software, using core loan accounting systems or software, and industry research.

  • Must be able to fulfill the responsibilities of the position level with minimal supervision.
  • Must have a valid driver’s license and be willing to travel as business needs dictate.

 

 

CREDIT SPECIALIST/LOAN PROCESSOR

SCOPE:
The Senior Credit Specialist position will report directly to the Credit Operations Manager. This position is involved in many aspects of the Commercial Loan Department, including the processing and preparation of loan transactions, funding transactions, and perfecting collateral.

Senior Credit Specialists are required to be proficient in all areas of Compliance that apply to Commercial loans, as well as to know loan policy and aid in the reporting of policy exceptions.

Senior Credit Specialists may join Commercial Lenders out of the office, both on prospect and existing customer calls. It is the expectation of the Senior Credit Specialist to provide expert support to the Banks commercial customers in the absence of the Commercial Lender, understanding the customers relationship with the Bank, and responding to requests as needed.

The Senior Credit Specialist will assist in development of branding the Bank in the designated market. Representing the bank in community groups and participating in promoting the Bank as directed through Bank management and the Marketing Committee.

This position will serve as a liaison between the lender and the customer when questions arise regarding the status of an impending loan. Other duties covered by this position include completing loan closing documents and assisting customers with loan questions, payments and payoffs.

ACCOUNTABILITIES:

  • Prepare timely and accurate loan documents using the Banks software system or Attorney for upcoming loan closings for a variety of different types of credit transactions. Book credit actions to the Core system of Fiserv after closing, and disburse funds as needed.
  • Work with parties involved in the sale of real estate, including sellers, buyers, real estate agents, attorneys, abstract offices, and brokers as needed to prepare settlement statements and closing documents.
  • Aid in maintaining the banks tickler system – monitor for insurance, final title opinions, vehicle titles, follow up items post-closing, and any other items that require follow up post-closing
  • Serve as backup for Credit Operations Assistant in participation processing, paid note processing, loan file imaging, and daily statement and report review
  • Serve as backup for Credit Operations Manager in Loan Committee and Board Meeting Secretary. Learn to prepare board reports, loan committee reports and other monthly tasks as needed to assist the Credit Operations Manager
  • Responsible for balancing of loan accounts.
  • Accountable for tracking compliance and loan policy exception items.
  • As part of the overall SSBT’s team of employees, this position may be requested to assist in the support of other bank activities.

COMPETENCIES:
Adaptability:

  • Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations.
  • Make the necessary schedule adjustments to coordinate efforts with others to ensure work consistency.

Attention to Detail:

  • Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.

Customer Orientation:

  • Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty.

Lending:

  • Must understand the fundamentals of consumer lending and consumer loan processing.
  • Must understand the fundamentals of commercial lending , collateral perfection, and commercial loan processing.

Mathematical Skills:

  • Ability to calculate figures and amounts such as prorations, interest, commissions, percentages and volume.
  • Ability to apply concepts of basic algebra and geometry.

Oral/Written Communication:

  • The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences.
  • Ability to read, analysis, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
  • Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
  • Ability to write reports, business correspondence, and procedure manuals.

Problem Solving:

  • Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in-group problem solving situations.

Professional Conduct:

  • Must be able to conduct oneself in a professional manner that promotes trust in the individual and the organization.
  • Fiduciary responsibility for the safekeeping and management of valuable assets and highly confidential, sensitive information, which requires ethics and professionalism beyond reproach.

Time Management:

  • Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.

EDUCATION AND SPECIAL REQUIREMENTS:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • High School diploma or equivalent, four-year degree preferred, with additional education and experience in financial or business services.
  • Two to three years of credit or loan operations experience with an understanding of loan documentation.
  • Excellent oral and written communication skills needed. Must be able to make accurate mathematical calculations and carry out detailed written, oral directions and procedures and be able to properly handle confidential materials and information.
  • This job requires skills needed in a typical office environment. This includes Microsoft Word and Excel skills, as well as utilization of office equipment, accurate typing of at least 50 w.p.m. and 10-key calculator skills.
  • Must have ability to function well under pressure.

Job Type: Full-time

 

 

VICE PRESIDENT RETAIL BANKING OPERATIONS

SCOPE:

Overall management and leadership of the Retail functions for the bank to include personal banking, teller area and digital channels and platforms. Responsible for developing and executing a strategy for new deposit and loan business and its five branches. Promotes a sales and service culture. Ensures retail banking runs effectively and efficiently.  Understands and completes job responsibilities in accordance with federal and state regulations.

Essential Functions:

Operational Excellence

  • Directly accountable for achieving operational excellence for both team members and customers.
  • Routinely assesses current processes, procedures, to improve efficiency.
  • Directly responsible for ensuring consistency and quality of service provided to members through behaviors of the team operationally.

Management

  • Responsible for managing the Retail function within the bank.  This includes managing the bankers and customer service representatives; works in conjunction with the Market Presidents to develop the retail strategy for each market
  • Equip team members with the knowledge, tools, resources, and skills necessary to perform at a high level
  • Responsible for training, goal setting and motivating the staff to provide exceptional service.
  • Responsible for assuring that the retail area is actively deepening customer relationships through direct sales efforts, cross-selling and outbound contact efforts.
  • Establish the service quality standards and ensure staff adheres to those standards.
  • Responsible for setting and meeting goals within the Retail Department. 

Product

  • Responsible for the maintenance and servicing of current retail accounts with direct responsibility for a portfolio of high-profile customers.
  • This position will perform competitive product analysis that can help SSBT determine changes in product features or pricing for a competitive advantage within the marketplace.
  • This position will help with specific product campaigns to deepen penetration of existing SSBT products as well as make new product recommendations to new and existing customers.
  • Responsibilities will also include product training for staff.
  • Responsible for the development of programs for measuring client satisfaction in retail area
  • Assesses and monitors revenue, cost savings, operational efficiencies, and customer services of retail digital platforms
  • Directs the development of objectives, goals, policies and procedures for new accounts, consumer lending and teller area
  • Leads and champions consumer sales, overseeing the tracking and reporting of results to all markets

Marketing and Advertising:

  • Responsible for developing an annual "Marketing Plan" which outlines the significant advertising programs that the SSBT will have for the coming year.
  • Responsible for developing an annual advertising budget.  This will include determining the expected use of media, and which type of media.
  • Responsible for working with media and advertising vendors to develop contracts to optimize the SSBT's advertising in a cost-effective manner.

Additional Duties and Responsibilities

  • Member of ALCO committee and senior management team.
  • Actively involved in community and civic activities as appropriate to represent the SSBT in the community.
  • As part of the total bank staff, this position may be called on to support other activities as requested.
  • Participates in internal and external training and development opportunities as required
  • Other job-related duties necessary to carry out the responsibilities of this position

COMPETENCIES:

Adaptability:

  • Able to adjust quickly to different work situations and remain composed under pressure and in stressful situations.

Change Management:

  • Must embrace change and see change as opportunity. Must be willing to express and support management's ideas to affected staff.

Management:

  • Must be able to manage the staff performing the retail delivery functions.  This will include employee selection, training, motivation, and monitoring performance against established standards.

Marketing and Advertising:

  • Must understand marketing and advertising in a community bank.  This includes developing budgets, understanding the optimal media and market research, completing competitive analysis and the like.

Motivation:

  • This individual must be able motivate and encourage staff.  Must be able to provide feedback to employees and develop reward systems as appropriate.

Oral/Written Communication Skills:

  • Must be able to communicate thoughts clearly, both orally and written.  Must be able to communicate throughout the organization and to all levels of staff.

Product:

  • Must understand the concepts of banking products.  The incumbent will help set product pricing and make recommendations for feature/function changes to help the bank remain competitive and profitable.

Relationship Development:

  • Must understand the importance of sales in a community bank environment.  This will include program development, motivating, training, goal setting, tracking and rewarding employees for achieving goals that have been developed.

Training:

  • Must understand the link between needed skills and employee competency.  From this ‘gap’ must be able to determine the appropriate training method to best deliver training

EDUCATION AND SPECIAL REQUIREMENTS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Bachelor’s degree (B.A.) from four-year college or university; or one to two years’ related experience and/or training; or equivalent combination of education and experience.
  • Requires previous supervisory experience.
  • Five to seven years experience with retail delivery in a community bank.
  • Previous marketing experience preferred, with the ability to understand and implement current trends in social media and marketing techniques is preferred.
  • Strong communication and interdepartmental skills are needed, with the ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

 

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