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United Bankers' Bank · 1 day ago

Vice President Lending

United States

Full-time

Remote

Senior Level, Lead/Staff

8+ years exp

United Bankers' Bank (UBB) is looking for a VP, Lending Officer to play a critical role in driving sound credit decisions and strengthening relationships with community bank customers located throughout Ohio and Michigan. The role involves evaluating loan requests, maintaining communication with client banks, and managing the credit process effectively.

ConsultingCredit CardsFinancial ServicesInsuranceLendingPrepaid Cards

Responsibilities

Evaluates loan requests based on sound underwriting practices consistent with regulatory requirements, UBB loan policy requirements and UBB portfolio management practices. Decides to present to appropriate credit authority or decline

Acts as voting member on UBB Loan Committee, contributing directly to the decision on proposed credit actions

Maintains ongoing and effective communication with client banks to understand the broad characteristics of credit requests and advises the client bank on how best to proceed and what they can reasonably expect from UBB with respect to their request

Communicates internally with credit analysts, management and loan committee

Analyzes financial, business and market information for a wide variety of businesses including commercial bank holding companies and their subsidiary banks, commercial and industrial businesses, agricultural businesses, commercial real estate projects, including construction and development projects, non-profit organizations and individuals

Maintains knowledge of the appropriate structure for various types of credit and whether the proposed loan is appropriately structured

Evaluates collateral proposed for loans in respect to value, marketability and control

Evaluates the paying capacity of guarantors

Assesses the client bank’s ability to effectively manage the credit in the case of over-lines

Creates concise but comprehensive credit presentations with the assistance and support of a credit analyst. Presentations describe the proposed transaction, the borrower and its background, its financial capacity, the collateral and the guarantors

Directs loan operations or bank counsel to prepare the appropriate legal documents for approved direct loans and obtains all required signatures, collateral and collateral perfection for the transaction

Reviews the loan documents prepared by or for the client bank for over-lines

Provides ongoing review and administration of loans including review of the financial and business status of the borrower and recommending changes in the risk rating assigned to the loan, where appropriate

Monitors payment performance on loans and engages the client bank or the borrower when loans are past due

Manages collection effort for loans in default

Engages client banks with over-lines in a cooperative dialogue with the aim of bringing resolution to the problem asset

Coordinates for the sale of loans to other participating banks when sub-participation is required

Provides assistance to other lenders, credit administration, marketing and other units within UBB as

Qualification

Credit analysisLending experienceBanking experienceFormal credit trainingMS Office

Required

Bachelor's degree with formal credit training or MBA

8 years of banking experience

5 years of credit analysis or lending experience

MS Office (Word, Excel, PowerPoint)

Benefits

Medical, Dental, and Vision

HSA with a generous company contribution

Medical and Dependent Care Flexible Spending Accounts

401(k) plan with a 3% company contribution, plus up to an additional 1% match -Roth option available

12 Paid holidays

Company

United Bankers' Bank

First for Your Success Starts with UBB - the Nation's First Bankers' Bank When the founders of UBB gathered together in 1975, they faced a serious threat.

Founded in 1975

Bloomington, Minnesota, USA

51-200 employees