Job Description

Overview

Overview

Peoples Exchange is built on tradition, service and trust. Since the first meeting of original charter board members, we have been locally owned and operated. Our founders set high standards of excellence for our organization, our operations, and our people for over 100 years. We have always been proud to be a pioneer in our marketplace by offering banking products and services to benefit our friends in the communities we serve. As times change, so do the needs of our customers. Peoples Exchange will always offer top notch customer service maintaining our hometown, friendly service that our customers have grown to expect.

Equal Opportunity Employer we will not discriminate on the basis of race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), parental status, national origin, age, disability, genetic information (including family medical history), political affiliation, military service, or other non-merit-based factors.  These protections extend to all management practices and decisions, including recruitment and hiring, appraisal systems, promotions, training, and career development programs.

Job Skills / Requirements

This position will assist customers with commercial lending needs by analyzing loan requests and make credit decisions based on lending policy. The Lender will interview commercial businesses to develop information concerning their loan needs, earnings, and financial condition. The ability to analyze current financial position and to determine the degree of risk involved in extending credit or lending money. Makes decisions to approve, disapprove, or forward the loan request to higher levels for decision. Establishes the terms and conditions of the loan. Prepares and/or reviews all loan documents for completeness and accuracy. It is expected that this employee will follow current loans to ensure compliance with terms and coordinates with collections. Participates in sales development activities. The ideal candidate will have five years of similar or related experience.

Essential Functions & Responsibilities:

Takes applications for commercial loan business. Reviews customer financial condition and assesses the customer's ability to re-pay the loan. Completes or directs completion of all loan documents and closes loans.

Participates in developing lending and deposit business for the bank. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the bank's client base.

Assists in collection of past due loans.

Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.

Assists customers with any loan-related questions and concerns.

Other duties as assigned.

Education Requirements (All)

High School Diploma or GED required. College degree preferred.

Additional Information / Benefits

Peoples Exchange offers cost sharing on health, dental and vision insurance in addition to paying 100% of the premium for full-time employee only plans in the following benefit areas: Life Insurance, Long Term Disability and Short Term Disability insurance.

Benefits: Medical Insurance, Life Insurance, Dental Insurance, Vision Insurance, Paid Vacation, Paid Sick Days, Paid Holidays, Short Term Disability, Long Term Disability, 401K/403b Plan, Educational Assistance, Special Incentive Plans