First National Bank Alaska
Lending Unit Team Leader - UMed Lending
First National Bank Alaska, Juneau, Alaska, United States
Lending Unit Team Leader - UMed Lending
Start a career with First National Bank Alaska, the *Best Place to Work in Alaska* as recognized 10 years in a row by Alaska Business magazine readers.
Attention Commercial Lenders!
Our UMed Commercial Lending Team, is seeking an experienced lender to manage its operations and loan production.
Salary:Job/salary offer would be commensurate with experience.
Schedule:Monday-Friday, 8:00am-5:00pm and occasional evening or weekend hours
GENERAL PURPOSE SUMMARY Oversees the administration, activities, training and development of assigned corporate lending unit; develops and maintains banking relationships, and makes a variety of complex commercial and real estate loans based on considerable lending authority by performing the following essential duties and responsibilities:
ESSENTIAL DUTIES AND RESPONSIBILITIES Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Provides administrative oversight, advice, and guidance to loan officers in assigned lending unit; develops, coaches, and assists in the development of unit objectives and measuring unit progress toward meeting objectives; analyzes loan requests submitted by subordinate loan officers; approves/denies or recommends approval/denial within lending authority, minimizing exposure to bank losses. Generates new business and retains multiple loyal relationships for the bank by providing valuable information and services to existing customers, and by establishing new banking relationships with prospective customers using formalized processes and leveraging the bank's official relationship management program and tools; provides team and individual relationship management coaching and guidance for unit employees. Analyzes existing and prospective customers' banking needs, earnings and financial conditions to determine which bank products are appropriate, and to assess acceptable risk. Maintains satisfactory lending audits and meets objectives established for unit and individual loan portfolio quality. Manages existing loan portfolio by monitoring and maintaining credit quality and ensuring timely loan payments collection; modifies or extends loan terms or structure to protect bank's interest when required. Ensures lending compliance of the unit with bank and/or regulatory procedures, policies, and/or requirements and takes corrective action when non-compliance is identified. Educates subordinate loan officers on lending procedures, policies, and regulations and provides functional guidance as needed; reviews and recommends improvements to new and existing lending procedures; may assist with the development of new procedures. Performs other work-related duties as assigned by supervisor. COMPLIANCE EXPECTATIONS
Ensure business unit’s operations comply with bank policy, procedures, and banking regulations (for business unit heads). Ensure you and your delegates have adequate and current compliance training, and ensure training is completed on time. Stay up-to-date on relevant laws and regulations. Ensure you and your delegates comply with the bank’s policies, procedures, laws and regulations. Maintain customer confidence and protect the bank’s operations by you and your delegates identifying and protecting confidential information.
BUSINESS CONTINUITY RESPONSIBILITIES Maintains and implements operational components of the business units' Business Continuity Plan: conducts periodic tests, cross trains and evaluates delegates' ability to perform critical and essential functions to restore operations.
SUPERVISORY RESPONSIBILITIES Manages assigned corporate lending unit. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, training, and terminating employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems; and implementing policies and procedures.
QUALIFICATION REQUIREMENTS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. EDUCATION and/or EXPERIENCE: Minimum:
Bachelor's degree in business, accounting, marketing, or finance and six years’ commercial, real estate, or consumer lending experience including one year in a management capacity; or eight years’ related experience including one year in a management capacity; or equivalent combination of education/training and experience. Preferred:
Two years’ management experience.
OTHER SKILLS and ABILITIES: Word processing and spreadsheet experience required. The ability to handle highly confidential information, frequent deadlines, and time constraints required.
LANGUAGE SKILLS: Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to write speeches and articles for publication that conform to the prescribed style and format. Ability to effectively present information to senior management, employees assigned to unit, and the public.
MATHEMATICAL SKILLS: Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
REASONING SKILLS: Ability to define problems, collect data, establish facts, assess risk, draw valid conclusions, and make decisions based on those conclusions. Ability to interpret an extensive variety of technical instructions in written, mathematical or diagram form and deal with several abstract variables. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
While performing the duties of this job, the employee is regularly required to talk and hear. The employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms. The employee is occasionally required to stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 50 pounds. Specific vision ability required by this job includes close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
WORKING CONDITIONS The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
The noise level in the work environment is usually moderate.
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Start a career with First National Bank Alaska, the *Best Place to Work in Alaska* as recognized 10 years in a row by Alaska Business magazine readers.
Attention Commercial Lenders!
Our UMed Commercial Lending Team, is seeking an experienced lender to manage its operations and loan production.
Salary:Job/salary offer would be commensurate with experience.
Schedule:Monday-Friday, 8:00am-5:00pm and occasional evening or weekend hours
GENERAL PURPOSE SUMMARY Oversees the administration, activities, training and development of assigned corporate lending unit; develops and maintains banking relationships, and makes a variety of complex commercial and real estate loans based on considerable lending authority by performing the following essential duties and responsibilities:
ESSENTIAL DUTIES AND RESPONSIBILITIES Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Provides administrative oversight, advice, and guidance to loan officers in assigned lending unit; develops, coaches, and assists in the development of unit objectives and measuring unit progress toward meeting objectives; analyzes loan requests submitted by subordinate loan officers; approves/denies or recommends approval/denial within lending authority, minimizing exposure to bank losses. Generates new business and retains multiple loyal relationships for the bank by providing valuable information and services to existing customers, and by establishing new banking relationships with prospective customers using formalized processes and leveraging the bank's official relationship management program and tools; provides team and individual relationship management coaching and guidance for unit employees. Analyzes existing and prospective customers' banking needs, earnings and financial conditions to determine which bank products are appropriate, and to assess acceptable risk. Maintains satisfactory lending audits and meets objectives established for unit and individual loan portfolio quality. Manages existing loan portfolio by monitoring and maintaining credit quality and ensuring timely loan payments collection; modifies or extends loan terms or structure to protect bank's interest when required. Ensures lending compliance of the unit with bank and/or regulatory procedures, policies, and/or requirements and takes corrective action when non-compliance is identified. Educates subordinate loan officers on lending procedures, policies, and regulations and provides functional guidance as needed; reviews and recommends improvements to new and existing lending procedures; may assist with the development of new procedures. Performs other work-related duties as assigned by supervisor. COMPLIANCE EXPECTATIONS
Ensure business unit’s operations comply with bank policy, procedures, and banking regulations (for business unit heads). Ensure you and your delegates have adequate and current compliance training, and ensure training is completed on time. Stay up-to-date on relevant laws and regulations. Ensure you and your delegates comply with the bank’s policies, procedures, laws and regulations. Maintain customer confidence and protect the bank’s operations by you and your delegates identifying and protecting confidential information.
BUSINESS CONTINUITY RESPONSIBILITIES Maintains and implements operational components of the business units' Business Continuity Plan: conducts periodic tests, cross trains and evaluates delegates' ability to perform critical and essential functions to restore operations.
SUPERVISORY RESPONSIBILITIES Manages assigned corporate lending unit. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, training, and terminating employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems; and implementing policies and procedures.
QUALIFICATION REQUIREMENTS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. EDUCATION and/or EXPERIENCE: Minimum:
Bachelor's degree in business, accounting, marketing, or finance and six years’ commercial, real estate, or consumer lending experience including one year in a management capacity; or eight years’ related experience including one year in a management capacity; or equivalent combination of education/training and experience. Preferred:
Two years’ management experience.
OTHER SKILLS and ABILITIES: Word processing and spreadsheet experience required. The ability to handle highly confidential information, frequent deadlines, and time constraints required.
LANGUAGE SKILLS: Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to write speeches and articles for publication that conform to the prescribed style and format. Ability to effectively present information to senior management, employees assigned to unit, and the public.
MATHEMATICAL SKILLS: Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
REASONING SKILLS: Ability to define problems, collect data, establish facts, assess risk, draw valid conclusions, and make decisions based on those conclusions. Ability to interpret an extensive variety of technical instructions in written, mathematical or diagram form and deal with several abstract variables. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
While performing the duties of this job, the employee is regularly required to talk and hear. The employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms. The employee is occasionally required to stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 50 pounds. Specific vision ability required by this job includes close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
WORKING CONDITIONS The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
The noise level in the work environment is usually moderate.
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