Overview

Description: CORE VALUES: Park State Bank's Core values are GROWTH, TEAMWORK, RESPONSIVE, TRANSPARENT, And INNOVATIVE. We endeavor to live by these values in all that we do!MISSION: The mission of Park State Bank is to deliver exceptional client service, strategic banking solutions and a community-friendly experience.POSITION SUMMARY: The principal functions of the Portfolio Banker are to (1) continuously monitor and assess the credit profiles of the customers in her/his assigned portfolio; (2) help retain customer relationships by providing exceptional service; (3) ensure that renewals, extensions and annual reviews are completed in a timely manner; (4) seek ways to enhance customer profitability by continuously looking for cross-sell opportunities; (5) replace runoff and amortization in the portfolio by selling deeper into the book of business and (6) continuously seek referral opportunities from current customers and centers of influence.PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES:Manages basic and complex relationships (credits, deposits, and fee based products/services) that require simple to complex analysisPerforms or initiates account/loan maintenance as requiredActs as liaison for customer inquiries, issues account instructions; redirects questions and requests as necessary if issues relate to other departmentsEnsures accuracy of information, data, and documentation for all portfolio accountsActively participates in customer meetings to further the relationship and expand business opportunitiesFor new and renewing loan requests, determines borrower credit-worthiness in accordance with credit policy and manages the request through the appropriate underwriting, approval and closing processesEnsures that loan transactions are properly documentedConducts continuous review and administration of loansManages enterprise risk for products and services, including depository services and Treasury Management productsReports credit risk issues in a timely mannerProactively reviews existing relationships for product penetration and calls on opportunities (loans, deposits, fees and non-credit products and services); issue proposals as appropriateIdentifies and refers business opportunities to internal product partners and other target market business linesSeeks out referrals from existing customers and COI'sSECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES:Responsible to become knowledgeable about and adhere to all relevant compliance regulations (as it affects the department).Other duties as may be assigned.COMPETENCIES:Customer OrientationResults OrientationIntegrityInitiativeTeam PlayerWORKING CONDITIONS:Will need to be able to handle stressful situations and function in a very fast-paced environment while remaining calm and precise. Must have excellent interpersonal and organizational skills and enjoy working with the public. Will need to communicate in a clear, concise, and pleasant manner.May, on occasion, have to work longer hours than scheduled.Must be able to meet deadlines, multi-task and adjust priorities as necessary. Must possess strong organizational, analytical, communication, and interpersonal skills, including the ability to work with all levels of management and the Bank's vendors. Must be a self-starter who challenges existing processes and can identify and implement efficiencies and cost-saving solutions. Will have access to and knowledge of all employees' accounts, customer information, and the bank's finances, so the ability to keep information confidential is extremely important.The employee will be working in an indoor office setting in a light work situation (exerting up to 20 lbs. of force frequently, and/or a negligible amount of force constantly to move objects). Must be able to remain in a stationary position 50% of the time and be able to occasionally move about inside the office to access file cabinets, office machinery, etc. Constantly operates a computer and other office productivity equipment. Empl