Chino Commercial Bank
Chino, California
Description: SUMMARY The Chief Financial Officer (CFO) is responsible for directing and managing all financial activities of the Bank, including accounting, financial reporting, regulatory reporting, budgeting, and asset management. The CFO provides strategic financial leadership to ensure the Bank's financial stability, regulatory compliance, and long-term profitability. This role oversees financial reporting, Call Report preparation, audit compliance, financial planning, and regulatory reporting while advising senior leadership and the Board of Directors on financial strategy and performance. This officer must maintain compliance within audit, internal controls, security, BSA, and CTR standards. ESSENTIAL DUTIES Financial Leadership Provide strategic financial leadership to support the Bank's business objectives. Counsel executive leadership regarding fiscal control, profitability, and financial performance. Develop and implement financial strategies aligned with the Bank's growth plans. Monitor financial trends, economic conditions, and industry developments. Financial Reporting & Accounting Direct preparation of financial statements including: Balance Sheets Income Statements Board Reports Shareholder Reports Ensure compliance with Generally Accepted Accounting Principles (GAAP). Oversee accounting operations including Accounts Payable and Accounts Receivable. Regulatory Compliance Ensure compliance with all federal and state banking regulations. Oversee preparation and submission of: Call Reports Regulatory filings Government financial reports Maintain compliance with: Internal audit requirements Internal controls BSA/AML and CTR regulations Banking regulatory standards Financial Planning & Budgeting Prepare annual budgets and financial forecasts. Monitor actual performance against budget. Identify financial risks and opportunities for operational improvements. Recommend cost control and financial efficiency initiatives. Asset & Capital Management Oversee investment of Bank funds. Monitor liquidity and capital requirements. Analyze long-range financial trends and capital needs. Audit & Risk Management Oversee internal and external audit activities. Ensure adherence to Bank policies and regulatory standards. Recommend and implement corrective actions when necessary. Leadership & Staff Management Lead and supervise accounting and finance staff. Develop department policies and procedures. Conduct performance reviews and provide coaching and development. Ensure proper staffing, training, and cross-training. SECONDARY DUTIES The position of Chief Financial Officer performs duties specific to the position and other functions as assigned. SUPERVISORY RESPONSIBILITY The position of Chief Financial Officer is responsible for the supervision of three or more employees and normally carries out supervisory responsibilities in accordance with the Bank's policies and applicable laws, ensuring adherence to EEO guidelines. PHYSICAL DEMANDS AND WORK ENVIRONMENT The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. The environment for this position is an open office that is mostly clean and comfortable. The employee is in a non-confined office-type setting in which he or she is free to move about at will. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate. The employee may operate any or all of the following: telephone, copy and fax machines, adding machine (calculator), scanner, encoder, money counter, credit card terminal, typewriter, computer terminal, personal computer and related printers. MENTAL DEMANDS The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions. Requirements: MINIMUM REQUIREMENTS These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. Bachelor's degree in Accounting, Finance, or Business Administration. CPA or MBA preferred; and at least eight years of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of an in-depth background in accounting, management and supervisory skills. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be applicable to the financial industry. Intermediate experience, knowledge and training in progressively responsible branch or department operations, management and supervisory activities. Advanced knowledge of general accounting, payroll, budgeting, and related accounting and record keeping systems in a financial institution. Advanced knowledge of related state and federal banking compliance regulations, and Bank accounting policies and procedures. Exceptional skills related to the consolidation and reporting of Bank financial results, and formulation and implementation of Bank accounting procedures. Advanced organization skills with the ability to provide leadership, supervision and training for three or more employees using positive supervisory techniques to ensure maximum productivity; demonstrated ability in organization and delegation skills. Knowledge of human resource and labor laws and policies. Intermediate skills in computer terminal and personal computer operation; mainframe computer system; excel, and word processing and spreadsheet software programs. Intermediate typing skills to meet production needs of the position. Intermediate math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. Exceptional oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees. Thorough understanding of management procedures; ability to plan department or Bank activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Bank activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate). Ability to deal with complex problems involving multiple facets and variables in non-standardized situations. Excellent organizational and time management skills. Ability to work with no supervision while performing duties. Current California driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities. The incumbent must be able to perform this position safely, without endangering the health or safety to himself or herself or others. This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills aptitudes and abilities to perform each duty proficiently . click apply for full job details
Description: SUMMARY The Chief Financial Officer (CFO) is responsible for directing and managing all financial activities of the Bank, including accounting, financial reporting, regulatory reporting, budgeting, and asset management. The CFO provides strategic financial leadership to ensure the Bank's financial stability, regulatory compliance, and long-term profitability. This role oversees financial reporting, Call Report preparation, audit compliance, financial planning, and regulatory reporting while advising senior leadership and the Board of Directors on financial strategy and performance. This officer must maintain compliance within audit, internal controls, security, BSA, and CTR standards. ESSENTIAL DUTIES Financial Leadership Provide strategic financial leadership to support the Bank's business objectives. Counsel executive leadership regarding fiscal control, profitability, and financial performance. Develop and implement financial strategies aligned with the Bank's growth plans. Monitor financial trends, economic conditions, and industry developments. Financial Reporting & Accounting Direct preparation of financial statements including: Balance Sheets Income Statements Board Reports Shareholder Reports Ensure compliance with Generally Accepted Accounting Principles (GAAP). Oversee accounting operations including Accounts Payable and Accounts Receivable. Regulatory Compliance Ensure compliance with all federal and state banking regulations. Oversee preparation and submission of: Call Reports Regulatory filings Government financial reports Maintain compliance with: Internal audit requirements Internal controls BSA/AML and CTR regulations Banking regulatory standards Financial Planning & Budgeting Prepare annual budgets and financial forecasts. Monitor actual performance against budget. Identify financial risks and opportunities for operational improvements. Recommend cost control and financial efficiency initiatives. Asset & Capital Management Oversee investment of Bank funds. Monitor liquidity and capital requirements. Analyze long-range financial trends and capital needs. Audit & Risk Management Oversee internal and external audit activities. Ensure adherence to Bank policies and regulatory standards. Recommend and implement corrective actions when necessary. Leadership & Staff Management Lead and supervise accounting and finance staff. Develop department policies and procedures. Conduct performance reviews and provide coaching and development. Ensure proper staffing, training, and cross-training. SECONDARY DUTIES The position of Chief Financial Officer performs duties specific to the position and other functions as assigned. SUPERVISORY RESPONSIBILITY The position of Chief Financial Officer is responsible for the supervision of three or more employees and normally carries out supervisory responsibilities in accordance with the Bank's policies and applicable laws, ensuring adherence to EEO guidelines. PHYSICAL DEMANDS AND WORK ENVIRONMENT The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. The environment for this position is an open office that is mostly clean and comfortable. The employee is in a non-confined office-type setting in which he or she is free to move about at will. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate. The employee may operate any or all of the following: telephone, copy and fax machines, adding machine (calculator), scanner, encoder, money counter, credit card terminal, typewriter, computer terminal, personal computer and related printers. MENTAL DEMANDS The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions. Requirements: MINIMUM REQUIREMENTS These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. Bachelor's degree in Accounting, Finance, or Business Administration. CPA or MBA preferred; and at least eight years of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of an in-depth background in accounting, management and supervisory skills. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be applicable to the financial industry. Intermediate experience, knowledge and training in progressively responsible branch or department operations, management and supervisory activities. Advanced knowledge of general accounting, payroll, budgeting, and related accounting and record keeping systems in a financial institution. Advanced knowledge of related state and federal banking compliance regulations, and Bank accounting policies and procedures. Exceptional skills related to the consolidation and reporting of Bank financial results, and formulation and implementation of Bank accounting procedures. Advanced organization skills with the ability to provide leadership, supervision and training for three or more employees using positive supervisory techniques to ensure maximum productivity; demonstrated ability in organization and delegation skills. Knowledge of human resource and labor laws and policies. Intermediate skills in computer terminal and personal computer operation; mainframe computer system; excel, and word processing and spreadsheet software programs. Intermediate typing skills to meet production needs of the position. Intermediate math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. Exceptional oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees. Thorough understanding of management procedures; ability to plan department or Bank activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Bank activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate). Ability to deal with complex problems involving multiple facets and variables in non-standardized situations. Excellent organizational and time management skills. Ability to work with no supervision while performing duties. Current California driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities. The incumbent must be able to perform this position safely, without endangering the health or safety to himself or herself or others. This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills aptitudes and abilities to perform each duty proficiently . click apply for full job details
Chino Commercial Bank
Chino, California
Description: INTRODUCTION We welcome you to join our Chino Commercial Bank Team! We are currently looking to fill several Commercial Loan Underwriter positions with experienced and qualified professionals who are passionate, driven, collaborative, and solutions oriented. We are dedicated in creating a championing environment where you can grow and thrive. SUMMARY The position of Commercial Loan Underwriter reports directly to the Chief Credit Officer and is responsible for providing support, direction, as well as technical credit information, and loan policies and procedures to staff and line Officers to ensure the overall quality of the Bank's lending portfolio. Under general direction, underwrites, approves/declines loans within defined limit of authority, and as deemed appropriate, recommends credit action / solutions to identified credit authorities for approval. The position of Commercial Loan Underwriter also participates with Senior Management in developing and monitoring loan policies and objectives. This Officer reviews requests for commercial, industrial or residential financing projects, incorporating information obtained from independent appraiser and cost engineers to analyze and identify the economic and market feasibility of the proposed project(s) and evaluates financial data to determine the credit risk. As additional direct responsibilities, provides for ongoing credit training as well as oversee and monitor the technical credit development of staff and line Officers. This Officer is accountable for adherence to Bank policies and procedures and must maintain compliance within audit, internal controls, security, BSA, CTR standards. Requirements: ESSENTIAL DUTIES Performs underwriting for commercial real estate loans including the more complex loans. Independently interprets underwriting guidelines and keeps necessary parties informed relative to changes and updates. Responds to inquiries to provide guidance and clarification. May train or assist more junior commercial loan underwriters. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees; conducts specific periodic meetings and presentations on this topic with all staff members. Responds to inquiries or refers inquiries to the appropriate department or person; exhibits the necessary follow through with customers and/or staff involved. Reviews and approves/declines large and complex loans prior to their submission to Loan Committee; reviews consist of making recommendations on loan structure, terms, and pricing so as not to expose the Bank to undue credit risk. Assists in the supervision of the Bank's special assets area in curing weak credits, collection of such credits, or the movement of such undesirable credits; assists in the compilation of loan status reports and implementing respective loan action plans; prepares a report re-aging the status of the Bank's special assets for submittal to the Board of Directors for review. Prepares and discusses loan information submitted to the Board of Directors for approval; loan information is defined as the calculation of the ALLL, graded loan reports, and other loan quality information and trends. Ensures that individual loans are risk rated correctly when reviewing loans for loan committee submission. Consistently applies good decision making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development. Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition. Represents the Bank in various community, civic and community reinvestment functions to further enhance the Bank's image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena. Cross-sells the Bank's other products and services, referring customers to appropriate staff as indicated. Assist in establishing annual deposit and loan growth goals assigned by senior management and the Board of Directors; participates in various internal committees assigned by senior management and the Board of Directors. Provides leadership and training to less experienced loan officers and other staff members. Operates computer terminal or personal computer to obtain and process data. Answers telephone and questions; directs callers to proper Bank personnel. SECONDARY DUTIES The position of Commercial Loan Underwriter performs duties specific to the position and other functions as assigned. SUPERVISORY RESPONSIBILITY The position of Commercial Loan Underwriter is not responsible for the supervision of any employee(s), however the incumbent is required to provide leadership, training and support to less experienced staff members. PHYSICAL DEMANDS AND WORK ENVIRONMENT The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. The environment for this position is an open office that is mostly clean and comfortable. The employee is in a non-confined office-type setting in which he or she is free to move about at will. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate. The employee may operate any or all of the following: telephone, copy and fax machines, adding machine (calculator), scanner, encoder, money counter, credit card terminal, typewriter, computer terminal, personal computer and related printers. MENTAL DEMANDS The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, training, multiple concurrent tasks, and constant interruptions. MINIMUM REQUIREMENTS These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. Bachelor's degree (BA) or equivalent from an accredited four year college or university; ten years related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Mastered experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas. Mastered experience, knowledge and training in all lending activities and terminology. Mastered knowledge of commercial, construction, real estate and consumer loan processing. Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures. Mastered knowledge of related state and federal lending and compliance regulations, and other Bank lending policies. Ability to develop marketing and business development skills with customers. Basic skills in computer terminal and personal computer operation, mainframe computer system; and word processing and spreadsheet software. Basic typing skills to meet production needs of the position. Advanced math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. Excellent oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees. Ability to deal with complex problems involving multiple facets and variables in non-standardized situations. Basic knowledge of branch operation procedures, Bank products and services. Excellent organizational and time management skills. Ability to work with no supervision while performing duties. Ability to lead less experienced loan officers and other staff members as assigned. . click apply for full job details
Description: INTRODUCTION We welcome you to join our Chino Commercial Bank Team! We are currently looking to fill several Commercial Loan Underwriter positions with experienced and qualified professionals who are passionate, driven, collaborative, and solutions oriented. We are dedicated in creating a championing environment where you can grow and thrive. SUMMARY The position of Commercial Loan Underwriter reports directly to the Chief Credit Officer and is responsible for providing support, direction, as well as technical credit information, and loan policies and procedures to staff and line Officers to ensure the overall quality of the Bank's lending portfolio. Under general direction, underwrites, approves/declines loans within defined limit of authority, and as deemed appropriate, recommends credit action / solutions to identified credit authorities for approval. The position of Commercial Loan Underwriter also participates with Senior Management in developing and monitoring loan policies and objectives. This Officer reviews requests for commercial, industrial or residential financing projects, incorporating information obtained from independent appraiser and cost engineers to analyze and identify the economic and market feasibility of the proposed project(s) and evaluates financial data to determine the credit risk. As additional direct responsibilities, provides for ongoing credit training as well as oversee and monitor the technical credit development of staff and line Officers. This Officer is accountable for adherence to Bank policies and procedures and must maintain compliance within audit, internal controls, security, BSA, CTR standards. Requirements: ESSENTIAL DUTIES Performs underwriting for commercial real estate loans including the more complex loans. Independently interprets underwriting guidelines and keeps necessary parties informed relative to changes and updates. Responds to inquiries to provide guidance and clarification. May train or assist more junior commercial loan underwriters. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees; conducts specific periodic meetings and presentations on this topic with all staff members. Responds to inquiries or refers inquiries to the appropriate department or person; exhibits the necessary follow through with customers and/or staff involved. Reviews and approves/declines large and complex loans prior to their submission to Loan Committee; reviews consist of making recommendations on loan structure, terms, and pricing so as not to expose the Bank to undue credit risk. Assists in the supervision of the Bank's special assets area in curing weak credits, collection of such credits, or the movement of such undesirable credits; assists in the compilation of loan status reports and implementing respective loan action plans; prepares a report re-aging the status of the Bank's special assets for submittal to the Board of Directors for review. Prepares and discusses loan information submitted to the Board of Directors for approval; loan information is defined as the calculation of the ALLL, graded loan reports, and other loan quality information and trends. Ensures that individual loans are risk rated correctly when reviewing loans for loan committee submission. Consistently applies good decision making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development. Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition. Represents the Bank in various community, civic and community reinvestment functions to further enhance the Bank's image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena. Cross-sells the Bank's other products and services, referring customers to appropriate staff as indicated. Assist in establishing annual deposit and loan growth goals assigned by senior management and the Board of Directors; participates in various internal committees assigned by senior management and the Board of Directors. Provides leadership and training to less experienced loan officers and other staff members. Operates computer terminal or personal computer to obtain and process data. Answers telephone and questions; directs callers to proper Bank personnel. SECONDARY DUTIES The position of Commercial Loan Underwriter performs duties specific to the position and other functions as assigned. SUPERVISORY RESPONSIBILITY The position of Commercial Loan Underwriter is not responsible for the supervision of any employee(s), however the incumbent is required to provide leadership, training and support to less experienced staff members. PHYSICAL DEMANDS AND WORK ENVIRONMENT The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. The environment for this position is an open office that is mostly clean and comfortable. The employee is in a non-confined office-type setting in which he or she is free to move about at will. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate. The employee may operate any or all of the following: telephone, copy and fax machines, adding machine (calculator), scanner, encoder, money counter, credit card terminal, typewriter, computer terminal, personal computer and related printers. MENTAL DEMANDS The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, training, multiple concurrent tasks, and constant interruptions. MINIMUM REQUIREMENTS These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines. Bachelor's degree (BA) or equivalent from an accredited four year college or university; ten years related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Mastered experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas. Mastered experience, knowledge and training in all lending activities and terminology. Mastered knowledge of commercial, construction, real estate and consumer loan processing. Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures. Mastered knowledge of related state and federal lending and compliance regulations, and other Bank lending policies. Ability to develop marketing and business development skills with customers. Basic skills in computer terminal and personal computer operation, mainframe computer system; and word processing and spreadsheet software. Basic typing skills to meet production needs of the position. Advanced math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. Excellent oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees. Ability to deal with complex problems involving multiple facets and variables in non-standardized situations. Basic knowledge of branch operation procedures, Bank products and services. Excellent organizational and time management skills. Ability to work with no supervision while performing duties. Ability to lead less experienced loan officers and other staff members as assigned. . click apply for full job details