Charleston Market Executive

Essential Responsibilities:

• Provides enthusiastic, professional leadership to assigned lenders and staff.
• Ensure that service delivery is consistent, expedient, accurate, professional and courteous.
• Establishes individual, sales and service goals for Branch and Commercial Bankers.
• Develops new deposit relationships with growth of overall bank deposits as the goal.
• Solicits, originates, underwrites, and approves/declines Small Business and Commercial loans, ensuring:
  • Sound credit decisions aligned with Bank lending policies
  • Thorough credit analysis to meet member needs and protect asset quality
  • Compliance with all applicable laws and regulations
  • Accurate and complete loan documentation
  • Fair and risk-appropriate pricing in accordance with Bank policy
• Develops business through an active calling program by setting goals, identifying target loan prospects, collaborating with branch staff on referrals, and connecting members with appropriate Bank service specialists.
• Proactively manages and services assigned loan portfolios to reduce delinquencies and documentation exceptions by collecting past-due loans, coordinating workout resolutions with Credit Administration, and ensuring timely renewals through early financial review and maturity planning.
• Oversee sales and service management by leading staff meetings, resolving member issues, promoting cross-sales, and coaching staff to achieve sales and service goals.
• Maintains an active role in the Bank’s annual budget planning process through the development of yearly market budget.
• Holds managerial authority for hiring, performance management, coaching, and recommending pay, promotions, and terminations.
• Participates in civic and professional activities to enhance the bank’s visibility in the community.
• Promotes favorable image of the Bank in all business activities within the community.
• Stays abreast of regulatory guidelines pertaining to lending.
• Manages branch delivery channels: Branch loan applications, deposit opening/servicing to ensure service levels are maintained or exceeded.
• Responsible for cross-selling deposit relationships to loan members.
• Stays informed of and uses/enforces Bank policies and procedures.
• Adheres to applicable federal laws, rules, and regulations including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA).
• Other duties as assigned.

Minimum Required Skills & Competencies:

• A bachelor’s degree or equivalent experience in the financial industry.
• A minimum of five years’ banking experience originating and underwriting commercial and small business loans is required.
• Knowledge of commercial loans and loan documentation.
• A strong understanding of credit underwriting, accounting and financial analysis.
• Experience leading a team of commercial lenders.
• Proven ability to recognize and focus on critical sales and service delivery issues and to balance and respond to competing role and organizational needs.
• Experience in credit policy, analysis, and regulatory practice.
• Utilizes outside training opportunities to expand knowledge and experience of the credit function.

Desired Skills & Competencies:

• Utilizes outside training opportunities to expand knowledge and experience of the credit function.
• Thorough working knowledge of the Bank’s lending policy.
• Knowledge of applicable lending laws and regulations is essential.
• Knowledge of the local community: Industries, economic base, culture, key leaders, competitors, etc.
• The ability to schedule, prepare for and conduct professional and business development calls on members and prospects is essential.
• Must have the ability to analyze commercial and small business financials and tax returns and to underwrite, document and approve or decline loan requests.
• Demonstrate sales and service leadership capabilities with strong sales management and coaching skills.
• Strong verbal and written communication skills.
• Demonstrates the ability to act independently while adhering to Bank policy and authority limits.
• Superior negotiation skills and the ability to communicate effectively across a broad base of internal and external members.
• Demonstrate proficiency in bank computer systems and related technolo