Basic Function

Responsible for active business development, originating, evaluating, authorizing, recommending for approval and monitoring of small business loans and small business depository relationships including treasury management services.

Essential Duties

1. Perform sales activities to deepen current relationships as well as develop new relationships with business clients.  Results are expected.
   • Develop and maintain a robust referral network
   • Keep relevant CRM information current
   • Represent the Bank at various civic and community functions
   • Responsible for developing deep client relationships by working with partners in Consumer Lending, Private Banking and Treasury Management to uncover additional client needs
   • Make referrals to Commercial Real Estate and Middle Market where appropriate
      
2. Originate, evaluate, authorize or recommend approval of small business loans
   • Generate new loan and deposit opportunities
   • Analyze new loan requests along with underwriters
   • Interview clients and prospects regarding credit and other banking service needs
   • Evaluate financial condition including cash flow, repayment capacity, collateral position
   • Work with underwriters to prepare loan presentations; prepare loan presentation when underwriters are not available
   • Work with Loan Operations and/or attorneys to generate loan documents
      
3. Evaluate and monitor existing small business loans
   • Respond to current client inquiries
   • Request updated financial information and keep all files up to date in terms of financial tickler compliance
   • Negotiate extensions
   • Complete compliance related documents (HMDA, CRA, and Adverse Action forms).
      
4. Assist with analysis of Special Assets
   • Monitor portfolio for potential problem loans
   • Review problem loans
   • Attend Special Asset meetings as necessary
      
5. Perform additional departmental duties such as:
   • Review overdrafts and contact overdrawn clients
   • Contact clients with past due loans
   • Attend departmental meetings
   • Attend Directors Loan Committee meetings
   • Attend Management Loan Committee meetings
   • Attend Officer meetings
   • Support the Bank’s CRA commitment by development of relationships with not-for-profit organizations, community groups and low/moderate housing financing opportunities

Nonessential Duties

• Other duties as assigned

Knowledge, Skills & Abilities

• Strong business development and relationship management skills
• Tact and diplomacy in dealing with clients
• Strong verbal and written communication skills
• Detail oriented
• Ability to multi-task while meeting deadlines
• Strong knowledge of lending regulations and compliance requirements

Training & Experience

• College degree in Finance or Accounting or equivalent related experience
• 1 - 5 years of experience in banking industry
• 2 - 5 years of experience in small business banking area preferred
• 2+ years of business development experience preferred
• Microsoft, CRM and Laser Pro proficiency

First Bank of Highland Park is an Equal Opportunity Employer:  disability/veteran

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About First Bank Chicago

First Bank Chicago is a community bank committed to our Clients and the community at large. We have worked side-by-side with our Clients since 1955 combining practicality with creativity, while always remaining a consistent and steady financial partner in good and bad economies. Our mission is to provide our Clients with exceptional service coupled with competitive rates and products without bureaucracy. We understand that banking today is more challenging than yesterday, but as a family business, we understand the advantage of being able to remain visionary and focused on the long term picture. Additionally, being independently owned and operated, allows us the authority and flexibility to make decisions quickly. That translates to exceptional service from experienced bankers and staff.First Bank of Highland Park offers an exceptional benefits program and a highly competitive compensation package.First Bank of Highland Park conducts credit and background checks on all candidates.First Bank of Chicago is an Equal Opportunity Employer: disability/veteran.

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