Availa Bank

Availa Bank Description: EEO Employer BANK LOAN OFFICER (COMMERCIAL) POSITION SUMMARY This position is responsible for generating, approving, and maintaining quality commercial and ag loans for the bank's portfolio. BENEFITS Availa Bank offers a rich selection of benefits you can personalize to support you and your family's needs. Benefits may include: Medical, Dental & Vision Plans Option for Health Savings Account (HSA) Life Insurance (Company paid for employee) 401K and Employee Stock Ownership Plan (ESOP) Company Paid Short & Long Term Disability Insurance Flexible Spending Account (FSA) & Dependent Care Eligibility for Tuition Assistance and Discounts Employee Assistance Program (EAP) BANK LOAN OFFICER (COMMERCIAL) ESSENTIAL DUTIES AND ACCOUNTABILITIES Responsible for sourcing new client relationships and expanding current client products and services by proactively developing pipeline activity for profitable new revenue growth. Primary products are loans, deposits, treasury management services, and fees associated with these and other products. Responsible for soliciting, establishing, and maintaining new agricultural and commercial/business banking relationships within an identified portfolio or market area. Provide a high level of customer service by assuring that the products meet the client's expectations. Work with clients through difficult/complicated issues that may arise and will function as a liaison between the client and bank operations area to make certain all client needs are met. Analyze all credit applications utilizing sound underwriting credit analytics. Make recommendations for new loan products and services. Handle collections on delinquent loans; monitor the quality of existing loans Adhere to and remain current with bank policy, procedures, lending laws, and regulations. Maintain a high level of customer confidence, assume a leadership role within the bank and community by participating in projects and activities. Manage the credit application process to approve, deny, or recommend credit action for loan applications. within an acceptable customer service and regulatory timeframe. Maintain loan quality by striving for low incidence of incomplete documentation or regulatory violation. Will maintain knowledge of products and services offered by competitors and other vendors. Requirements: BANK LOAN OFFICER (COMMERCIAL) ROLE QUALIFICATIONS Education High school diploma or equivalent required Bachelor's degree preferred, ideally in a business-related discipline Experience Minimum 3 years in the banking or lending environment Minimum of 2 years of credit experience Minimum of 2 years of sales and negotiation experience Other Skills and Abilities Demonstrated proficiency in typing with speed and accuracy; basic keyboarding skills are required Proficient in Word, Excel, and Outlook Exceptional oral and written communication skills with the ability to apply commonly understood knowledge to carry out instructions and instruct others, understand procedures, and write reports and correspondence Exceptional interpersonal skills to represent the bank in a professional manner when dealing with customers and potential customers Exceptional organizational and time management skills; ability to function well in a demanding environment Travel to/from and work in multiple locations PM21 PI4a5d5-

Availa Bank Description: EEO Employer Availa Bank believes our people make a difference, and we recognize that individual differences and experiences strengthen our teams. Each member of our team is empowered to inspire and enable our clients and the communities we serve to achieve financial success. BANK MORTGAGE LOAN OFFICER POSITION SUMMARY The primary responsibilities of this position are to generate, negotiate, underwrite, and coordinate the origination and closing of mortgage loans in compliance with the bank's lending policies and procedures. Within the portfolio managed, the Loan Officer will be responsible for credit decisions (within authority guidelines), overall credit quality, and fee income. BENEFITS Availa Bank offers a rich selection of benefits you can personalize to support you and your family's needs. Benefits may include: Medical, Dental & Vision Plans Option for Health Savings Account (HSA) Life Insurance (Company paid for employee) 401K and Employee Stock Ownership Plan (ESOP) Company Paid Short & Long Term Disability Insurance Flexible Spending Account (FSA) & Dependent Care Eligibility for Tuition Assistance and Discounts Employee Assistance Program (EAP) BANK MORTGAGE LOAN OFFICER ESSENTIAL DUTIES AND ACCOUNTABILITIES Originates all loan applications within an acceptable customer service and regulatory timeframe Analyze credit applications and propose appropriate mortgage solutions/products to meet customer financial needs Maintain loan quality by striving for low incidence of incomplete documentation or regulatory violation Help the bank attract new customers and deepen relationships with existing customers through active involvement in the community and through participation in the bank's customer service and sales efforts Adheres to bank policy, procedures, and all lending laws and regulations Work with customers through difficult/complicated issues that may arise Handle collections on delinquent loans; monitor the quality of existing loans Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages Develops and maintains contacts with local real estate agents, attorneys, developers, and builders to promote and encourage the use of bank services for residential mortgages Makes recommendations for new loan products and services Site visits may be applicable for construction, real estate purchase, or refinance originations Refer additional bank services and products Requirements: BANK MORTGAGE LOAN OFFICER ROLE QUALIFICATIONS Education Bachelor's in business or equivalent experience Experience Minimum 1 year Mortgage Lending experience preferred Other Skills and Abilities Demonstrated proficiency in typing with speed and accuracy; basic keyboarding skills are required Sound knowledge of loan policies and procedures, including Fannie Mae Strong background, or an ability to learn, mortgage lending principles and programs, technicalities, and compliance Strong math skills; add, subtract, multiply, and divide in all units of measure Exceptional oral, written, and interpersonal communication skills with the ability to apply commonly understood knowledge to carry out instructions and instruct others, understand procedures, and write reports and correspondence Exceptional organizational and time management skills; ability to function well in a fast-paced environment Proficient Microsoft Office skills (to include Word, Excel, PowerPoint, and Outlook) and Adobe PDF Assumes a leadership role in community projects and activities Accepts a leadership role within the bank and participates in bank promotions and activities PM21 PIa53e755b2e7a-6069

Availa Bank Description: EEO Employer BANK CREDIT OFFICER I POSITION SUMMARY The Credit Officer I will evaluate and recommend approval of all loans, including, but not limited to, commercial real estate (CRE), commercial and industrial (C&I), Agricultural, Mortgage, and Consumer loans, all within delegated lending authority. The Credit Officer I position may also be directly responsible for managing a Credit Analyst team and will work collaboratively with the lending staff to create a smooth process for underwriting and managing a quality loan portfolio enterprise-wide. BANK CREDIT OFFICER I ESSENTIAL DUTIES AND ACCOUNTABILITIES Make and guide independent decisions on underwriting applications through evaluation of business and personal credit reports, financial statements/tax returns, and other underwriting information, and assure completeness and adherence to Bank Credit Policy Assist with the monitoring of loan performance in the bank's portfolio and ensure loans are appropriately risk-rated in a timely manner Proficient in all areas of credit analysis; able to perform analysis of more complex credits, including global cash flow analysis Review and make recommendations as necessary to Credit Policy and implement required changes on a periodic basis Assist with credit risk reporting to include, but not limited to, enhancement and analysis of credit risk metrics, policy exception tracking, past due and watch list loan monitoring, and loan covenant tracking and compliance Keeps the CCO apprised of emerging market risks as well as any underwriting developments Assist CCO with all regulatory credit examinations and assist with outside auditors, including providing necessary documentation and reporting. Also, maintain adequate controls to ensure compliance with all statutes/regulations Manage the underwriting pipeline and coordinate prioritizing of credit requests between the Credit Analysts and Lending Staff Responsible for training and development of Credit Analysts and assisting personnel in all aspects of financial analysis Requirements: BANK CREDIT OFFICER I ROLE QUALIFICATIONS: Education Bachelor's degree in Business Administration and/or Finance or Accounting or equivalent combination of education and experience Experience Minimum of five (5) years of commercial lending and/or credit analysis experience or equivalent combination of both The ideal candidate will have: Minimum of one (1) year of experience in a Credit Officer role or similar experience Other Skills and Abilities Demonstrated proficiency in typing with speed and accuracy; basic keyboarding skills are required Strong knowledge of Bank policies and procedures Strong communication skills, both written and verbal Ability to interact with internal teams and customers with tact, diplomacy, and confidentiality Resourceful, innovative, and well-organized Ability to assess problems and/or unusual situations and develop logical solutions Ability to create a collaborative and motivating team environment Ability to develop and advance skills of staff Strong ethical focus; treats others with respect and consideration regardless of their status or position Thorough knowledge/understanding of legal and regulatory matters and industry trends Knowledge of agricultural lending Supervisory Responsibilities This position is responsible for supervising staff in accordance with the bank's policies and applicable laws. Responsibilities include training employees; planning, assigning, and directing work; appraising performance; rewarding and taking corrective action with employees; addressing complaints and resolving problems. PM21 PI66f31ee3b5-