Associate Commercial Banking Officer

"Republic Bank believes in the development and advancement of our associates. We offer the opportunity to learn all aspects of the company to prepare for future advancement. Come join our team for a career, not just a job!"

Grade 10

About Republic Bank

Republic Bank's values are built upon making an IMPACT for our clients, our associates and the communities we serve. (IMPACT stands for Innovate for the Future, Make it Easy, Provide Exceptional Service, Acknowledge & Celebrate Success, Commit to Caring and Thrive Together) The associates of Republic Bank are the key to our success as an organization and we value our associates. It's one of the reasons we've been named as one of the Best Places to Work in Kentucky for the last nine years! For more information about the company, please visit www.republicbank.com.

POSITION PURPOSE AND OBJECTIVES
The Associate Commercial Banking Officer is a position for an officer with limited sales experience to be able to develop the necessary skills for calling on business banking clients for depository, lending, and fee-based opportunities in the Bank's market. This position will have C&I, Commercial Real Estate and Depository production and growth goals, but at a lower expectation level than a more seasoned officer. Position will also have responsibility to manage an existing portfolio of client relationships with the intent that the associate could take over some portfolio from an existing Commercial Banking Officer. Through credit training, sales training, and mentoring, this position will grow the necessary experience and knowledge to become a more effective relationship manager for commercial banking clients. Targeted clients will be small to medium sized operating companies with $1 million to $10 million in annual revenue.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

MINIMUM QUALIFICATIONS
*Minimum of 3 years banking experience with at least 1 year of business lending experience (processing or loan production support) or having completed Republic Bank's Banking Officer Training program, required.
*Demonstrates proficient general knowledge of business loans involving commercial real estate, accounts receivable, inventory, and equipment required.
*General knowledge of working capital lines of credit and letters of credit required.
*General knowledge of Small Business Administration loans is preferred.
*Must be Proficient in Microsoft Office products and internet applications.

ESSENTIAL JOB FUNCTIONS AND RESPONSIBILITIES
*Complete required credit analysis and underwriting training.
*Manage all functions of an existing client portfolio to include customer contact, loan renewals, annual reviews, and covenant tracking.
*Primarily focused on new business development by sourcing, developing, and documenting calls on prospective customers and referral sources.
*Negotiate and structure new loan terms and manage renewal opportunities.
*Work closely with Treasury Management to identify and structure depository opportunities.
*Management of portfolio delinquencies within assigned and/or developed portfolio.
*Work closely with associates with Merchant Services and Credit Card to develop opportunities.
*Be involved in the community through volunteerism on civic and non-profit boards.
*Support the collection of past due loans.
*Obtain annual financial statements for commercial credit analyst's evaluation.
*Respond to referrals from Senior Management of the Bank, and the company and others.
*Maintain and enhance the relationships with the Bank's customers and referral sources.
*Responsible for cross selling all company products and services.
*Learn the credit culture of Republic Bank in order to present appropriate credits for approval.
*Maintain a working knowledge of compliance requirements affecting your position and area of responsibilities and actively learn new regulations and assist in the implementation, if required.
*Model and foster behaviors that support the Bank's values and corporate culture creating an atmosphere of trust, cooperation, accountability, and dedication to the organization.
*Willingly perform all other duties and projects as assigned.

INTERPERSONAL SKILLS AND COMPETENCIES REQUIRED
*Excellent verbal and written communications skills for effective interactions with clients to meet financial investment objectives.
*Must have the ability to understand financial analysis and effectively communicate with clients and senior management.
*Must be self-motivated and work in a team environment.
*Requires a high energy level and strong sense of urgency.
*Must demonstrate the ability to manage and prioritize multiple tasks.
*Ability to recommend practical ways using innovation, good judgment, creativity, and strategic thinking.

PHYSICAL REQUIREMENTS
The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this position, the associate is regularly required to sit, use hands to finger, handle, or feel; and talk or hear. The associate frequently is required to stand or walk. The associate is occasionally required to reach with hands and arms. The associate must occasionally lift and/or move 10 pounds. Specific vision abilities required by this position include close vision, and distance vision. The noise level in the work environment is usually moderate.

OTHER REQUIREMENTS
*Travel between Republic Banking facilities may be required including occasional out of town travel.
*Flexible work schedule may include some evenings, weekends and/or overtime.
*Stay abreast of new developments, best practices, and statutory and regulatory changes.

**The above is intended to describe the general content of and requirements for the performance of this position. It is not construed as an exhaustive statement of duties, responsibilities, or requirements.