Shelby State Bank · 1 week ago
Senior Lender
Shelby, MI
Full-time
Onsite
Senior Level, Lead/Staff
10+ years expShelby State Bank is seeking a Senior Lender responsible for proposing, initiating, and overseeing all loan programs provided by the Bank. This role involves supervising loan officers, managing customer relationships, and achieving lending goals while ensuring compliance with policies and regulations.
BankingFinanceFinancial Services
Responsibilities
Supervise, direct and control loan operations, commercial and mortgage loan production activities and ensure that applicable bank lending objectives, policies, procedures, and regulatory compliance requirements are met
Oversee the preparation of lending activity reports for bank review by the loan committee and/or the executive committee of the Board of Directors. Present loans exceeding departmental lending limits to the loan committee and/or the Board’s executive committee or as needed
Oversees loan presentation preparation, loan grading and pricing
Reviews all loan reports
Review commercial loans developed by subordinates and decision loans exceeding the credit authority of the loan officer managing the account
Develop and manage large and/or major commercial loan accounts. Interview applicants, gather and evaluate financial and related data to establish creditworthiness, establish and renegotiate credit terms where necessary, and continually monitor customers’ financial condition and repayment progress. Take action to collect from past due accounts and review servicing of loans within loan officers’ portfolios
Recommend interest rates and fee structures
Responsible for assumptions, projections and annual budgeting for the Loan Department
Help in the development of the Bank's strategic priorities. Works collaboratively to establish current and long-range goals, objectives, plans and policies
Additional responsibilities as assigned
Oversee the business relationship with Mackinac Credit and Compliance
Be familiar with and comply with all federal and state banking regulations as applicable
Qualification
Required
Bachelor's degree required
5+ years managerial experience in banking
10+ years commercial lending experience
Good interpersonal and excellent communication skills and a strong desire to succeed
Ability to manage and lead employees
Time management and organizational skills with attention to accuracy and detail
Self-Motivated with the ability to work independently with minimal supervision while remaining a team player
Experienced with office machines, such as computer, phone systems, copiers, etc
Knowledge of office management systems and procedures
Experience with Microsoft Office, Word, Excel and other computer software
Ability to transcribe meeting minutes
Ability to effectively communicate via phone and e-mail
Uses discretion and good judgement, shows patience with others
Must be able to keep all sensitive information confidential
Job includes talking, hearing and repetitive motions
Ability to express and exchange ideas with customers and employees by means of the spoken word, either in person or on the phone
Ability to received detailed information through oral communication
Visual ability to perform activities such as preparing and analyzing data, transcribing, viewing a computer screen and reading procedures
Speed and accurate use of computer, calculator and other business machines is required
Willingness to assume new responsibilities, ability to perform under pressure and adapt to changing and possibly stressful environment is expected
The ability to identify, assist with and resolve routine problems is expected
Working hours may vary
May be required to work in other branch locations as needed
On time attendance is expected
Preferred
Advanced degree or Graduate Banking School a plus but not required
Company
Shelby State Bank
Shelby State Bank is a finance bank company located in Whitehall.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Mishelle Comstock
President & CEO
Company data provided by crunchbase