About The Farmers Bank:
At The Farmers Bank, we truly believe that by supporting our communities, we make them a better place to live where we do business. Being the leader in Clinton County for nearly 150 years, The Farmers Bank delivers "Community banking with a capital C!" This is all done through a commitment to serving our customers and ensuring we have the right people in the right seats here at the bank. We continue to expand our footprint, reaching into other counties to bring The Farmers Bank Way to those communities and in doing so, need talented employees to help us make that happen.
Job Summary
This position analyzes financial statements, gathers data from third parties, and creates approval documents for approval by Commercial Banking Officers, Credit Administration, and internal loan committees. This position mentors Credit Administration teammates. This position also assists with credit requests for the residential mortgage and retail lending teams. This position will champion the overall processes and functions of Credit Administration and directly support the SVP/CCO and Special Asset Officer.
Job Responsibilities
1. Analyze commercial credit requests (40%)
2. Maintain commercial loan portfolio (20%)
3. Underwrite consumer and residential mortgage requests (10%)
4. Develop credit team (10%)
5. Create loan packet and attend committees (10%)
6. Review real estate appraisals (5%)
7. Create Credit Department analytics and reporting (5%)
8. Other Duties as Assigned.
Requirements
Competencies Required
1. Leadership : ability to understand processes and peoples' abilities and motivations, and to leverage them to help achieve a goal
-Set a positive example for members of our team and for all members of TFB
- Make decision with primary focuses being the maintaining of TFB credit standards and the developing of Credit teammates
2. Analytical Skills : ability to gather and analyze information and problem-solve to reach a meaningful conclusion
- Ability to understand the issues being raised and offer direction
- Seek to comprehend the data being presented and the 'why' behind the process
3. Attention to Detail : efficiently allocate your cognitive resources to achieve thoroughness and accuracy when accomplishing tasks, no matter how small or large
- Improving efficiency and performance of the team by avoiding re-work
- Being precise when tracking processes and creating work product
4. Customer Relations : ability to professionally interact with external and internal clients
a. Shown ability to react to customers' issues or concern and preserving the relationship
b. Shown ability to proactively advocate to adjust our processes and procedures in order to help deepen our relationships and improve our customer's ability to perform
5. Teamwork & Cooperation : works well with others during conversations, projects, meetings or other collaborations
a. Accept responsibility for the performance of the team
b. Communicate in a clear, personable, professional manner
c. Maintain an awareness of team dynamics and act to improve the team's performance
