Town and Country Bank is seeking an experienced Commercial Banking Officer in Jacksonville, IL to maintain and grow commercial loan and deposit portfolios.

ABOUT US:

At Town and Country Bank and Peoples Prosperity Bank, our mission is to empower the financial well-being of our communities, one person at a time. We successfully uphold this mission by sticking to our core values of Teamwork, Achievement, Passion, and Positive Thinking.

Teamwork means we help each other. We stay on top of our responsibilities, take ownership of situations and outcomes, offer, and ask for help when needed, and celebrate each other’s successes.

Achievement means we are motivated by success. We work diligently towards goals, contribute to a productive environment, are subject-matter experts, and communicate in a timely way.

Positive thinking means we believe we can, and we will. We demonstrate positivity and level-headedness, provide encouragement, act with enthusiasm, and influence others to do the same.

Passion means we love our mission. We are self-motivated, mission-oriented, led by example, and proactively seek new ways to share our knowledge and services with our communities.

The Core Values work together to create a culture that is engaging, authentic, and leads to growth for our customers and the company. We hire, review, reward, and recognize our teammates based on these characteristics, so it's important that you share these values to be part of our team.

JOB SUMMARY:

A Commercial Banking Officer is responsible for the development and management of commercial relationships with businesses, not-for-profits, and municipal entities throughout Central Illinois. This position requires a growing level of experience that reflects comfort in most services required by these entities including commercial loans, deposits, investments, cash management, and trust. Embraces and promotes Town and Country's core values of teamwork, achievement, passion, and positive thinking.

CORE ACCOUNTABILITIES:

• Loan Production
• Loan Pricing
• Deposit Production
• Account Management
• Team Goals

ESSENTIAL FUNCTIONS AND DUTIES:

• Achieves sales and relationship goals by growing the size and profitability of his/her commercial relationships.
• Manages, supervises, and grows individual loan and commercial deposit portfolios. Develops and maintains an existing customer base and builds customer satisfaction and confidence in the Bank.
• Maintains and Initiates contact with potential commercial accounts and solicits their relationship. Interview applicants to develop information concerning their business, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk. Gives financial advice and counsel to customers and prospective customers.
• Manages existing commercial accounts, maintains relationships, cross-sells relevant bank products and services, and solicits referrals for new commercial relationships.
• Collects and maintains client portfolio information. Analyzes, underwrites, approves/disapproves, negotiates terms and conditions, prepares credit proposals, recommends documentation and disbursement instructions for new and renewed loan requests.
• Maintains the integrity and quality of the loan portfolio. Performs collections, negotiates work-outs, and refers accounts to collection as required. Keeps informed as to the status of loans within his/her portfolio and monitors them for compliance with terms. Monitors the performance of the borrower during the relationship, including payments, financial statements, tax returns, insurance, etc.
• Ensures that information gathering, decision making, and loan monitoring follow all regulations. Has the ultimate responsibility for the maintenance and content of his/her credit files.
• Maintains a presence and promotes the Bank within the community. Serves on municipal committees and boards, as well as Boards of Directors of civic groups or private enterprises.
• Other duties as assigned.

QUALIFICATIONS:

• 5 years of commercial lending experience
• Good banking knowledge related to job duties and regulatory environment. Knowledge should be based on working experience and training.
• Proficient in relationship sales tactics

EDUCATION:

• Bachelor’s degree or above in an appropriate field of study
• Commercial Credit Training