Mainframe Jobs in Macon, GA (NOW HIRING)

Job Type
Full-time
Description
SUMMARY
Magnolia State Bank takes pride in building tight-knit relationships with our community and our customers to help us understand their needs and provide catered business solutions. The position of Commercial Lender assists in maintaining this standard by providing loans for our business customers.
Commercial Lenders are responsible for soliciting, negotiating, underwriting, and coordinating the closing of commercial loans with respect to lending regulations and bank policy. As part of our team, Commercial Lenders also prospect new customers, provide active engagement in their communities, and present loan packages to our loan team and committee. Commercial Lenders at Magnolia State Bank perform their work in-office while also contributing a significant amount of their time to visiting customers off site. New Lenders will be expected to manage both current accounts as well as initiate new business by identifying potential business customers in need of bank financial support.
We offer competitive wages. Benefits include PTO, insurance, and 401K.
ESSENTIAL DUTIES

• Provide financial advice and counsel on investments to potential and existing customers.
• Call on customers to develop new business and cross-sell services.
• Engage in business development and community involvement activities.
• Manage client relationships.
• Prepare loan documentation.
• Manage loan portfolio and ensure credit quality of the portfolio.
• Prepare presentations for loan committee meetings.
• Set pricing and terms for loan products sold.
• Evaluate loan requests and customer financial condition.
• Assist in collections efforts as needed.
• Provide operational and managerial support to the lending team
• Adhere to all compliance standards and regulations.

SECONDARY DUTIES
The position of Commercial Lender performs duties specific to the position and other functions as assigned.
Supervisory Duties
The position of Commercial Lender will supervise one Loan Processor.
Requirements
MINIMUM REQUIREMENTS
These specifications are general guidelines based on the minimum experience normally considered essential to the
satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or
ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these
guidelines.

• Bachelor's degree (BA) or equivalent from a 4 year college or university; 5 years related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
• Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Mastered experience, knowledge and training in all lending activities and terminology.
• Mastered knowledge of commercial, construction, real estate and consumer loan processing.
• Advanced knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.
• Proven ability to develop marketing and business development skills with customers.
• Intermediate knowledge of branch operation procedures, Bank products and services.
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
• Excellent organizational and time management skills, with the ability to provide leadership, supervision and training for employees using positive supervisory techniques to ensure maximum productivity; demonstrated ability in organization and delegation skills.
• Intermediate knowledge of human resource and labor laws and policies.
• Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheet and specialty software programs.
• Intermediate typing skills to meet production needs of the position.
• Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, speak clearly to customers and employees.
• Thorough understanding of management procedures; ability to plan department or Bank activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Bank activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate).
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Ability to work with no supervision while performing duties.
• Current Georgia driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

Management reserves the right to change this position description at any time according to business needs.