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Director of Business Banking

Company: State Bank Financial
Location: La Crosse
Posted on: August 6, 2022

Job Description:

Job DescriptionPosition SummaryUnder the direction of the Chief Executive Officer and the functional direction of the Board of Directors this position is responsible for management, supervision, and direction of all business banking, commercial loan, and non-loan activities. Duties include representing the bank internally and externally in developing and monitoring client and prospect relationships, actively participating in the origination and structuring of client's transactions. Develops annual strategic operating plan to meet or exceed company expectations. Lead and manage business development efforts in growing the Bank's market share in La Crosse, Sparta, and Marshfield markets. Responsible for ensuring maximum overall profitability and credit quality related to commercial lending activities and assists in the detection of deterioration in loan quality. Lead, review and ensure all department compliance, audit, policy, and regulatory objectives are met.Essential Job Functions

  • Directly supervises a team of Commercial Relationship Managers, Relationship Coordinators, and Treasury Management employees. 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; appraisal performance; rewarding and corrective action; addressing complaints and resolving problems.
  • Actively leads/participates in business development activities for the purpose of attracting additional profitable relationships for the bank. Responsible for a smaller portfolio of high-profile clients or those with a personal relationship.
  • Responsible for preparing and implementing a 1-3 year strategic plan for the Business Banking group. Coinciding with this includes responsibility for preparing annual budget recommendations for the department aligning with the strategic plan.
  • Develop and maintain an environment where staff can find motivation in their work through effective communication and incentives. This position mentors and coaches' other colleagues in their day-to-day work functions, as well as assisting colleagues in long term career development.
  • Responsible for helping maintain a system of quality financial analysis and control for all loans made as required by the policy approved by the Board of Directors; ratings assigned as needed in conjunction with the loan loss reserve analysis.
  • Assist the commercial relationship managers in the analysis of all large loans, large aggregate lending to one borrower, complex loans, and workout loans.
  • Identifies problem loans, makes recommendation for assignment of loans to the "watch loan list"; discusses the status of problem loans with the CEO and/or the Chief Credit Officer and commercial relationship officers and makes recommendations regarding the servicing strategy. Identifies loans meeting non-accrual or charge-off criteria.
  • Prepares appropriate monthly/quarterly/annual Board of Director reports.
  • Prepares periodic studies of various portions of the commercial loan portfolio including past due reports, concentrations of credit, etc. for the benefit of supervisory and executive officers.
  • Based on compliance or loan reviews and the dissemination of other pertinent materials evaluate and recommend policy or procedure changes.Additional Duties and Responsibilities:
  • Serve on Bank executive committees as needed. Voting member of Officer's Loan Committee.
  • Assist direct reports in establishing goals for their areas and implementation of same as necessary.
  • Updates knowledge and develops professionally on a continuing basis. Participates in internal and external training and development opportunities as required.
  • Assist in the development of manuals and supporting documentation to accomplish tasks/duties inherent in this position.
  • Other job-related duties may be necessary to carry out the responsibilities of this position. Equipment UsedOperates personal computer in a Windows environment for word processing, spreadsheets, e-mail, internet/intranet and other bank specific software. Utilizes a variety of office equipment including: computer printer, ten-key calculator, fax machine, copy machine, and multi-line telephone. Working Conditions Work is performed largely in an office environment, during normal business hours. Regular contact with associates and customers. Regular out-of-town and overnight business travel (air or auto) is required for business and education. Deadline pressure is an integral part of the job. Regular mental and visual concentration for computer usage and reading/assimilating complex and technical compliance information is required. Position will alternate between walking, sitting, standing, stooping, bending, and occasional lifting up to 15 pounds of office supplies and/or documents throughout work shift. Hours of work are generally during regular business hours and average at least 45 hours a week. There will be some variation in work hours due to special projects, deadlines, community events, and other concerns. Deadline pressure is an integral part of the job.Employees with disabilities must meet qualification standards that are job-related and consistent with business necessity and must be able to perform the "essential functions" of the position, with or without reasonable accommodation.Minimum Qualifications
  • A bachelor's degree in business, finance, plus additional lending and compliance related training.
  • Attainment of this position may be contingent upon up to ten years bank lending, loan review and/or compliance experience or equivalent education in bank lending, loan review/compliance procedures and policies.
  • Satisfactory credit report and background check.
  • Must possess courteous and professional customer service attitude.
  • Ability to work with mathematical concepts such as probability and statistical inference, high level of analytical and organizational skills.
  • Excellent verbal and written communication skills.
  • Requires the ability to practically apply knowledge in policy and procedure development.
  • Ability to maintain the integrity of highly confidential customer and Bank information.
  • Ability to deal effectively with time pressures and stress.
  • Effective problem-solving skills.
  • Must be a self-starter and independent thinker.Please submit a cover letter, resume, and references.State Bank Financial is an equal opportunity employer of individuals with disabilities and protected veterans.

Keywords: State Bank Financial, La Crosse , Director of Business Banking, Executive , La Crosse, Wisconsin

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