1.Works as an active member of the bank’s sales/services commercial lending department.
2.Handles larger portfolio and most sophisticated credits within the department.
3. Jointly establishes quantitative sales objectives, with assigned supervisor on an annual basis; this activity to be integrated with the Commercial Lending department’s annual marketing/sales plan.
4.Solicits new business from present and prospective customers; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities.
5.Provides sales information on a timely basis in order that this information may be included as part of monthly and year-to-date sales performance reports.
6.Monitors individual sales performance versus objectives on a monthly basis utilizing bank’s sales information system; discusses performance with appropriate supervisor on a frequent basis.
7.Maintains a thorough knowledge of the features and benefits of all bank commercial credit products and services, in order to ascertain customer needs and to sell in conjunction with these needs.
8.Provides direct service to commercial customers with respect to deposit, loan, and other miscellaneous products and services, if applicable, approves or rejects loan applications within individual lending authority.
9.Assists customers in obtaining specialized services from other bank departments as necessary; provides help to customers with specific inquiries of service problems.
10.Prepares various forms and reports and provides information as requested from appropriate supervisor or departments.
11.Maintains a working knowledge of bank operating policies and procedures which impact commercial services. Maintains working knowledge of bank’s FDICIA and compliance procedures/policies.
12.Maintains working knowledge of loan documentation procedures.
13.May attend sales and trade meetings as the bank’s representative to develop new business and to gain information and leads on prospective accounts.
14.Responsible for early detection, reporting, and monitoring of problem credit. Responsible for quality of own loan portfolio.
15.Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment, which is free of harassment and other forms of illegal discriminatory behavior in the work place.
16.Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements.
Skill(s): Proficient reading, writing, grammar and mathematics skills; proficient interpersonal relations, communicative, and sales skills; proficient appropriate analytical skills; a thorough knowledge of the features and benefits of all bank commercial products and services; a working knowledge of bank operating policies and procedures which impact commercial services.
Experience: a minimum 7-10 years experience in commercial credit analysis/commercial lending.
Internal Number: 184857809
About Tompkins VIST Bank
Tompkins VIST Bank, part of Tompkins Financial Corporation, believes in building solid, long-term relationships with customers through personal service and local decision-making. We offer a complete line of deposit, loan and trust and investment services. For businesses, Tompkins VIST Bank offers cash management, loans and other commercial services. Insurance and wealth management are provided through the Pennsylvania offices of Tompkins Insurance and Tompkins Financial Advisors.
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