Bank Economist Jobs (NOW HIRING)

SCHEDULE: Full-time; Monday through Friday (8:00 am – 5:00 pm) with some evenings and weekends, average of 45 hours/week.  BENEFITS: Our employees are our most valuable assets, so we invest in them with a comprehensive and competitive benefits package. Our philosophy of taking care of the customer extends to taking care of our employees so that they, in turn, can take good care of themselves and their families. Join Hills Bank and let us surprise you with even more perks!SCOPE:The Commercial Banker position is responsible for developing, managing, and growing long-term relationships with prospective and existing business customers. The role focuses on sourcing and originating quality commercial loans including CRE, C&I, and Ag (depending on market) and identifying other ways to help customers with deposit, mortgage, wealth management, and treasury management solutions. A successful Commercial Banker will act as a trusted advisor to business owners, helping them achieve their financial goals while strengthening the bank's presence and reputation in the local market. The training process will vary depending on the candidates experience level.  ACCOUNTABILITIES:New Business Development:Participate in the Bank's business development activities through individual and joint sales call efforts, represent the Bank in community organizations, local business groups, etc., and promote the Bank's favorable image.Establish and maintain positive working relationships with businesses and other organizations to provide information regarding the lending programs with the bank.Seek and grow new business by presenting, selling and cross-selling bank products that match the customer's needs and following up timely to properly ensure quality service.Provide referrals to various departments; Treasury Management, Mortgage, Retail, and Wealth Management. A basic understanding of these services is needed to refer effectively.Coordinate the processing of client's personal banking needs, with the help of our Home Mortgage, Wealth Management, or Retail Bankers, and serving as the relationship manager for our commercial and professional customers.Participate in bank sponsored events, networking with guests to develop a personal knowledge of who they are.Provide leadership for several bank sponsored events each year. Loan Origination and Portfolio Management:Originate loans within bank policy to attain growth goals.Interview applicants and requests specified information for loan application; requests appraisals, financials, applicant credit reports, and other information pertinent to evaluation of loan application; analyzes applicant financial status, credit, and collateral to determine feasibility of granting loan; and corresponds with or interviews applicant or creditors to resolve questions regarding application information.Meets and maintains portfolio profitability goals. Compiles loan package and facilitates negotiation with applicant according to established standards, such as fees, loan repayment options, and other credit terms; refers loan to loan committee for approval; ensures loan agreements are complete and accurate according to policy; assures timely loan closing and funding activities.Utilize government programs when deemed necessary to meet customer's credit needs.Participate in the collection procedures and processes of the loan officers to assure the timely collection of all delinquent accounts and develop revised loan repayment terms or schedules as necessary.Maintains portfolio credit quality goals.Maintains complete and accurate file documentation.Make decisions on loans and terms withing lending limits or makes recommendations to the Senior Loan Committee.Remain knowledgeable of new regulations, policies, procedures, and economic trends. EDUCATION AND SPECIAL REQUIREMENTS:Bachelor's degree (B.A.) from a four-year college or university in the field of business, including specific courses in accounting, finance, and economics; or a minimum of 2-3 years banking experience and/or training; or equivalent combination of education and experience.This job requires skills needed in a typical office environment. This includes computer skills as well as utilization of office equipment.Must sign a non-compete.EQUAL OPPORTUNITY EMPLOYER/VETERANS/DISABILITY
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