Peoples State Bank
  • Wausau, WI, USA
  • Salary
  • Full Time

Health, Dental, Vision, 401k, Profit Sharing, Bank-wide Incentive Program, Flexible Spending Accounts, Life, Disability, Paid Time Off, Paid Holidays

Job Location: 1905 Stewart Avenue, Wausau WI 54401

Hours: Workday is normally 8-5pm, Monday-Friday, expected to work the hours needed to meet job performance expectations

Job Summary:

Responsible for business development, origination, underwriting and closing secured and unsecured commercial loans with a primary focus on small and mid-market business. Expand relationships with existing customers and establish relationships with prospective business customers, government agencies and other financial institution personnel. 

Primary Duties and Responsibilities:

  • Maintain an active calling program on an existing customer portfolio, deepening existing relationships by providing all necessary banking services including loans, deposits, treasury management and investment services.
  • Develop and maintain an active calling program on prospective new customers with a focus on small and middle market opportunities.
  • Receive and screen loan applications; analyze applicant's financial status, credit and property evaluation to determine feasibility of granting loan requests; approve loans within specified limits; present larger loan requests to loan committee for approval; communicate loan decisions to applicants, including rationale for decisions, and assures necessary supporting documents are prepared.
  • Direct and participate in the closing of approved commercial loan agreements; ensure that all required closing documents are prepared and processed.
  • Maintain a working knowledge of compliance with bank loan policy and related banking regulations.
  • Monitor and review assigned commercial loan portfolio on a regular basis; proactively identify problem or delinquent loan accounts or those having an adverse impact on bank profitability; initiate appropriate corrective actions on delinquent accounts on a timely basis; refer problem accounts to manager as required or needed.
  • Identify and manage call referrals/joint calls within the bank for other bank-related services for cross selling opportunities.
  • Participation in community events and activities to support Pride in Peoples.

Desirable Education, Experience and Skills:

  • Five or more years of bank commercial lending experience and investments or equivalent education in bank lending procedures and investment policies.
  • Bachelor's degree in business, finance and/or accounting, which includes specific courses in commercial lending, business administration, accounting, finance and communications.
  • Good verbal communication skills as evidenced by the ability to interact both face-to-face and over the telephone with customers and co-workers. Demonstrated ability to use tact, diplomacy, and a "professional" personal appearance, when dealing with customers and co-workers.
  • Good math skills.
  • Prior sales experience in financial services.
  • Ability to manage multiple tasks simultaneously in a fast-paced environment and assist at other locations as requested.
  • Analytical (statistical), organizational, time management and problem-solving ability.
  • Successful accomplishment of specified performance objectives as outlined for the incumbent by the department and/or bank management, as applicable to the commercial lending/calling officer position.
  • Good written communication skills including proofreading and editing skills.
  • Good knowledge of computer systems utilized to process transactions.
  • Familiarity with local financial marketplace (competitors, demographics, geography, industries, etc.)

We are an Equal Opportunity Employer of Minorities, Females, Protected Veterans, and Individuals with Disabilities.

Peoples State Bank
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