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Vice President, Commercial Loan Officer

Job Title: Vice President, Commercial Loan Officer

Company: First Secure Bank & Trust, Inc.

Location: 10360 S. Roberts Road, Palos Hills, IL 60465

Job Type: Full-time

Job Description:

The Commercial Loan Officer is responsible for managing and growing profitable commercial lending relationships while developing sound relationships. The commercial loan officer will have the responsibility of ensuring that goals are met, partners are informed of current commercial lending protocols and the customers are engaged and satisfied with all Bank’s services.

Duties and Responsibilities:

• Identify and convert new loan and deposit prospects.

• Cross sell other products of the Bank.

• Retain and service existing customer base.

• Analyze the financial condition, operating performance, and repayment ability of borrowers utilizing financial statements, collateral documentation, borrower interviews, and industry and economic data.

• Analyze the financial information of the borrower and guarantor for each loan relationship selected for review.

• Prepare loan presentation documents to recommend actions to the appropriate credit authorities in the department, credit administration, or the Bank’s Board of Directors

• Present loan proposals to the Executive Vice President and Head Lender.

• Proactively manage a portfolio of borrowers to ensure continuing satisfactory risk profiles, including annual reviews, covenant monitoring, and borrowing plan management.

• Ensure the Bank’s adherence to regulatory policies; minimize variance from the Bank’s lending policies and procedures.

• Review the completeness and accuracy of loan documentation.

• Identify any loans that are not in compliance with the requirements of the Bank’s Credit Risk Policy, to include appropriate approval levels.

• Determine the appropriateness of the assigned loan grade based on the criteria specified in the Bank’s loan policy.

• Comply with all applicable federal and state laws and banking regulations including specifically compliance.

• Other duties may be assigned to increase the organization’s operating performance.

 

Bachelor’s degree from a four-year college or university; and two years related experience and/or training; or equivalent combination of education and experience required.

 

Please send your resume to hr@firstsecurebank.com. Or feel free to mail to: Human Resources, First Secure Bank Group, Inc., 2398 Essington Road, Joliet, IL 60435

Work authorization: United States (Required)

***LOCAL CANDIDATES ONLY; NO RELOCATION PROVIDED.

EOE/Drug Free Workplace

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Marketing Director

 

Job Title: Director of Marketing

Company: First Secure Bank Group, Inc.

Location: 2398 Essington Road, Joliet, IL 60435

Job Type: Full-time

Job Description:

Applying his/her experience in banking, the successful candidate will be responsible for the development, execution and maintenance of marketing strategies to meet organizational objectives and support profitable business growth.

Work closely with internal business partners and external service providers to achieve business objectives, maintain corporate image, and protect the company’s brand through strategic marketing initiatives. Evaluate market conditions, competitor data, client feedback, etc., to develop and assess annual marketing strategies and to implement plan changes necessary. Work directly with members of executive management, department heads, and various lines of business associates to assess and successfully execute the marketing needs of the total organization.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Establish marketing goals to ensure share of market, profitability of products/services, and deepening of existing client relationships.

• Develop and execute all marketing plans and programs, both short and long term, to ensure profitable business growth.

• Coordinate efforts in all areas of marketing, including research/development; brand management; creative development; direct marketing; advertising; public relations; product launch; corporate communications; website; digital marketing; social media; event planning; and project and program management.

• Research, analyze, and monitor financial, technological, and demographic information to capitalize on market opportunities and minimize competitor impact.

• Develop new market launch, growth, and expansion strategies.

• Develop and maintain relationships with external service providers to facilitate marketing campaigns and overall branding.

• Manage any required third-party marketing service providers, including designers, writers and account reps, to oversee all product and brand campaign development - including copy, design, layout, and production of print and digital tactics.

• Negotiate pricing and proposals with all third-party vendors as needed.

• Evaluate and adjust marketing strategies in a timely manner to meet the changing needs of the market.

• Prepare marketing reports, including Monthly Marketing Report, project and campaign measurement, and general updates for senior and executive management.

• Work with internal executives and customers to provide marketing support, direction, input and assistance.

• Oversee communication activities, including internal and external communications, public relations efforts and relationship management with service providers.

• May make occasional presentations to officer group, board of directors and/or others as needed/directed.

• Demonstrate ability to interact and cooperate with all company employees and service providers.

• Attend key conferences and seminars to provide information and innovation back to the bank in the way of enhanced marketing programs.

OTHER DUTIES:

• Annual business planning; includes close collaboration with all lines of business to assess and plan for support of annual sales goals.

• Assist to develop, direct, lead and manage community events.

KNOWLEDGE/SKILLS/ABILITIES:

• Knowledge of banking, bank products and services, competitive environment, general market(s) and overall financial industry.

• Experience in all aspects of developing and implementing targeted marketing strategies to meet organizational objectives; includes print, digital and social media strategies.

• Excellent written and verbal communication skills, including solid presentation and persuasion skills.

• Innovative, creative outlook.

• Excellent management, organizational and planning skills.

• Ability to troubleshoot, brainstorm, analyze and solve problems quickly and effectively.

• Ability to adapt and change concepts/ideas/directions quickly in response to market shifts and opportunities, exhibiting professionalism and a high level of stress tolerance.

• Solid judgment and decision-making capabilities.

• Ability to collaborate and deliver on wants and needs within brand guidelines and overarching business strategies.

• Ability to read, understand, analyze, and interpret data, financial information, and regulatory and legal requirements.

• Ability to respond to common inquiries or complaints from internal or external clients, associates, regulatory agencies, or members of the community.

• Ability to effectively present information to top management, public groups, and/or boards of directors

MININUM QUALIFICATIONS:

Banking/financial services experience required, preferably in a local or area bank environment.

• Business or marketing-related degree or equivalent professional qualification.

• 5+ yrs. experience in all aspects of developing and implementing targeted marketing strategies, including print, digital and social media strategies.

• Relevant market and industry knowledge.

• Experience with relevant software applications and social media platforms.


Experience: Bank Marketing: 5 years (Required)

Work authorization: United States (Required)

Please send your resume to hr@firstsecurebank.com. Or feel free to mail to: Human Resources, First Secure Community Bank, 2398 Essington Road, Joliet, IL 60435

***LOCAL CANDIDATES ONLY; NO RELOCATION PROVIDED.

EOE/Drug Free Workplace

 

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Commercial Credit Analyst

 

Security Bank, Springfield, IL

Security Bank has an immediate opening for a commercial credit analyst.

Job Responsibilities:

·         Review and analyze financial information for new commercial credit opportunities, and for existing commercial credit renewals and annual reviews.

·         Work with Enterprise Risk in developing and maintaining Problem Loan Status Reports.

·         Perform commercial appraisal reviews prior to closing of credit.

·         Prepare credit analysis memos for presentation to approve authority for commercial credits.

·         Attend and participate in Director and Officer Loan Committee meetings, as needed, to present commercial credits. 

Requirements:

·         Superior attention to detail, ability to multi-task and consistently meet deadlines; strong analytical skills; ability to interact effectively and respectfully with internal and external customers and vendors.

·         Must maintain ongoing knowledge of industry standards for commercial lending.

·         Practical experience with basic hardware and software.

·         Two years of related bank experience.  Three to five years of related bank experience is preferred.

·         High school diploma.  Four-year college degree in finance or accounting is preferred.        

Resumes should be emailed to Khansen@securitybk.com.

EOE

 

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Seeking Loan Processor/Underwriter

 

Location: Manteno, Illinois

Wage/Salary: $16.25 - $19.90/hourly

Hours: 40 hours per week, Monday through Friday. (No fixed schedule, the hours vary upon bank needs.)

To apply: Visit the employment section of our website at: www.homestarbank.com to fill out our online application.

Position Summary:

Responsible for processing / underwriting and evaluating all credit and Secondary Market loan applications in order to maximize company profits and minimize risk or loss. Typing closing of loans through activities such as processing loan documentation by verifying the accuracy of completion.

The listings below are intended to describe the general content of basic requirements of this job. It is not intended as an all-inclusive description of duties, responsibilities or requirements.

Principal Duties and Responsibilities:

1. Process applications

       -Enter application into Loan Origination System

       -Pull credit reports

2. Process new starts

      -Prepare and mail early disclosures

      -Prepare and send Commitment/Approval letters

      -Order appraisals, title work, flood determination, etc

      -Prepare and mail Letter of Understanding

      - Prepare and send commitment / approval letter

3. Underwrite files

      -Review appraisals

      -Review title work

      -Review purchase contracts

      -Review homeowners / flood insurance

      -Reconcile debt from credit report – update loan system

      -Analyze ratios

      -Analyze self-employed income

      -Calculate qualifying income – update loan system

      -Verify funds for closing-gift money, liquid assets, sale of property, etc.

      -Determine if loan is a HOEPA loan

      -Determine if PMI is needed

4. Determine if additional documentation is needed to complete the loan file and keep in compliance with Secondary Market requirements.

5. Update & Maintain tracking system for each loan file.

6. Communicate with Loan Officers regarding particulars of loan files

7. Determine when a file is ready for the Loan Officer to schedule closing

8. Write-up closing instructions

9. Type Closings from other Underwriters / Loan Officers

10. Maintain LIP filing

11. Process payoffs

12. Prepare and scan annual adverse action files / withdrawn files

13. Prepare mortgage modifications

14. Prepare extensions

15. Process construction draws

16. Disburse closing packages

17. Achieve annual referral expectations for the Bank

18. Other duties as assigned

Education and Experience Requirements:

1. Minimum 1 year experience underwriting non-secondary market loans preferred.

2. High School education required.

Skills and Abilities:

1. Functionality and operation of Microsoft Windows, Word and Excel

2. Knowledge of ITI system

3. Honesty

4. Team player

5. Ability to provide exceptional customer service and ensure others do the same

6. Excellent communication skills, both verbal and written

Physical Requirements:

1. Computer use up to 7 hours a day

2. Lifting of weights up to 20lbs


HomeStar is an Equal Opportunity/Affirmative Action Employer, Minority/Female/Disabled/Veteran.

 

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Mortgage Loan Originator Needed

 

Alliance Community Bank, Petersburg, IL

At Alliance Community Bank, the mortgage loan originator will help lead the bank’s mortgage lending efforts in the Central Illinois market. 

Primary Responsibilities:

  • Completes mortgage applications for submission to the loan processing and underwriting departments
  • Evaluates loan requests, analyzes financial data and determines qualification of collateral and customer credit history
  • Maintains contact with loan customer, communicating progress of loan and obtaining any required documentation
  • Prepares files for underwriting, loan committee, private mortgage insurance company and investor including preparation of loan approval sheet
  • Structures loan to comply with acceptable lending practices and Federal regulations
  • Establishes detailed marketing/business plan including names of potential and existing loan customers, realtors, builders, developers, etc. and frequency of contact
  • Answers customer calls and walk-in customers to discuss various loan products and qualification information
  • Makes sales calls on potential or existing customers in established marketing areas
  • Cross-sells other bank products and services
  • May participate in networking through professional, business and community organizations and activities to promote and market loan products 

Requirements:

  • High school diploma or GED. College degree is preferred.
  • Two years of mortgage lending experience preferred, with proven mortgage production. 
  • Abundant mortgage experience in developing external business via referral partners in the market, including but not limited to realtors, builders and financial planners.
  • Knowledgeable of mortgage products, systems, terminology, tax requirements, etc.
  • Must be able to multi-task competing priorities and meet tight deadlines.
  • Must be able to build and maintain internal and external relationships to deliver high levels of service.
  • Strong written and verbal communication skills
  • Good organizational skills
  • Proficient in Microsoft Office products 

This position requires registration with the national Mortgage Licensing System and Registry (NMLS). Please refer to (http://mortgage.nationwidelicensing.org) for more information. NMLS Registration

Alliance Community Bank is an Equal Opportunity Employer. 

Please send resumes to:

Leigh Ann Harrison, Compliance/HR Officer

Alliance Community Bank

321 N. Sixth Street

P.O. Box 470

Petersburg, IL 62675

lharrison@bankacb.com