Market President

Additional Considerations (if any):

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At Midwest Heritage, the core of our culture is taking care of the customer and taking care of each other. Our employees appreciate that their contributions make a direct impact on the success of our business as well as their own personal and professional growth.

Midwest Heritage Bank

Job Title: Market President - Chariton

Department: Insurance – Banking – Operations

FLSA: Exempt

General Function: Manages the day-to-day operations of the office.  Assumes overall responsibility for all aspects of the facility.  Develops and manages existing commercial and business accounts, cultivates new commercial and business prospects.  Actively engaged and exhibits leadership in the community. Projects and manages the financial progress of the office.  Meets established lending and compliance requirements, providing profitability to the bank while effectively managing and controlling the risk of the overall office, including commercial and business credit portfolio.

Core Competencies

• Lending/Sales

• Strategic Thinking 

• Communication

•Organization  

Reporting Relations:

Accountable and Reports to: EVP, Chief Lending Officer

Positions that Report to you: Junior Lender

Primary Duties and Responsibilities:

• Ensures a competent, motivated staff through training, counseling, supervision, and review of department activity and results.
• Manages the day-to-day loan, financial, compliance and business operations of the office.
• Ensures the bank and employees are involved in the community and considered a key component of the community.

• Cross-sells all Midwest Heritage products and services.
• Identifies and contacts key prospective commercial and business customers in the market. Document calls, contacts, all proactive behaviors and results in Salesforce.  Share reports on all activity with supervisor weekly.
• Stays abreast of all business related activities and organizations in the community.
• Responsible for initial discussion with loan applicants.  Explains available loan programs.
• Completes financial statement, cash flow, documents credit history and collects all required and supporting file and credit information.
• Establishes and negotiates the terms under which credit will be extended, including the cost, repayment method, schedule and collateral requirements. 
• Makes business visits verifying assets and collateral such as inventory, equipment, etc.  Makes credit recommendations and file comments based on the visits. 
• Closes loans as approved and releases loan funds and sale of products according to an approved cash flow and business plan.

• Recommends lending area capital expenses and lending departmental changes to Senior Lender.
• Assists in strategic planning and leads efforts to achieve objectives set for lending area of bank.
• Assists with budget planning; projects lending area growth targets and adheres to budget
• Works with executive team to meet strategic and budget targets.

Knowledge, Skills, Abilities, and Worker Characteristics:

• Must have a friendly positive attitude, strong written and verbal communication skills and the ability to approach people.
• Self-motivation, strong work ethic and the ability to build personal relationships.
• Must be able to work independently with little daily supervision.
• Must possess competitive spirit.
• Excellent organizational skills, work with detail, high level of accuracy, and follow-up skills are required.
• Required to be able to maintain a high degree of confidentiality.
• Will always present themselves in a professional manner.
• Must have proficiency of PC with Microsoft Word, Excel, Access, Outlook, Moody’s Web Equity

Education and Experience:

• Bachelor’s degree.
• Bank office management and experience in business lending. 
• Minimum of fifteen years of banking and lending experience.   

Physical Requirements:

• This position is classified sedentary/light and requires the ability to sit for long periods of time.
• Visual requirements include: ability to see detail at near range with or without correction.
• Must be able to perform the following physical activities: sitting for long periods, talking (in person and by telephone), hearing and repetitive motions.

Working Conditions:

• The duties of this position are normally performed in a general office setting. This is a fast paced work environment.
• There is frequent pressure to meet deadlines and handle multiple projects in a day.
• Must be able to work independently with little daily supervision.
• < 10% travel mainly local between Midwest Heritage locations, training and job fairs.

Equipment Used to Perform Job:

PC with Microsoft Office programs.

Contacts: 

This position works with Midwest Heritage employees, customers, Hy-Vee employees, vendors and outside agents doing direct business with Midwest Heritage

Confidentiality:

This position has the responsibility to protect the privacy and confidentiality of customers, employees and bank/insurance/financial information at all times. 

In the performance of their respective tasks and duties all employees are expected to:

• Follow all state and federal regulatory requirements and complete assigned training courses within the required timeframes.
• Perform quality work within deadlines.
• Interact professionally with other employees, customers and suppliers.
• Work effectively as a team contributor on all assignments.
• Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.