Summary:

Osgood Bank's Senior Lending Officer works in Osgood, OH and oversees the banks in-market portfolio of commercial and consumer lending from a production, relationship, and servicing perspective. Drives sales efforts to generate new business based upon growth goals and ensures superior servicing of existing relationships. Leads and manages a team of local commercial and consumer lenders. Partners with the credit department on underwriting new loans and portfolio management of existing in-market relationships. 

Essential Duties & Responsibilities:
Functions:

• Drives sales and business development efforts within the bank for in-market commercial and consumer lending (primarily focused on home loans).

• Manages large and/or complex commercial loan relationships. Interviews applicants and collects and analyzes financial and related data to establish credit worthiness.

• Works with credit analysts to prepare credit presentations, including narrative comments of cash flow and collateral analysis.

• Oversees residential and consumer loan production. Assists mortgage lenders in coordinating complex requests through underwriting and decisioning.

• Monitors monthly, quarterly, and annual in-market “pipelines/production totals” for all types of in-market loans.

• Tracks and manages in-market loan delinquency for all types of loans. Ensures that appropriate action steps are taken for each delinquent loan / relationship.

• Tracks and manages in-market loan delinquency for all types of loans. Ensures that appropriate action steps are taken for each delinquent loan / relationship.

• Develops and maintains calling programs for local centers of influence, including residential/commercial contractors, realtors, community development partners and other loan referral sources.

• Promotes the cross-selling of all bank products and services to loan customers, when appropriate.

• Performs the role as an “Exception Lender” on in-market requests that require “Exception Approval,” per the bank’s Lending Policy.

• Makes pricing recommendations for in-market commercial/consumer rates in collaboration with the bank’s Pricing Committee.

• Trains and mentors Commercial Lenders and Branch Managers on loan products, loan structures and pricing, for all types of in-market loans.

Support Functions:

• Creates positive work relationships to enhance an effective sales and service environment.

• Builds relationships through marketing/community involvement while learning about each client's personal and/or business financial needs.

• Serves as a resource for credit policy and procedure interpretation for all in-market lending staff.

Customer Care Functions:

• As needed support branch overdraft/payment decisions, provide wire approvals, and provide cashier check signing.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

Education:

• A minimum of 5 years of commercial and consumer lending, relationship management, credit and/or loan processing experience.

• Bachelor’s degree in business administration or equivalent from two-year college or technical school; or equivalent related experience.

• Knowledge of accounting and spreadsheet applications.

• Prior banking experience is required.

• Prior management experience is preferred.

Note: This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to modification to accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently.

Thank you for your interest in joining our team. 

We are not currently advertising any additional openings, but if you think you'd be a good fit for Osgood Bank you can always submit your resumé and we will keep it on file in case something opens up. 

Until then,

Do Well. Be Good.