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Relationship Management Professional - Team Lead

Position Title:

Relationship Management Professional - Team Lead

Department/Division:

Wintrust Funds Group

Date:

March 30, 2015

Position Summary:
Oversee client service and the administrative support staff of the Wintrust Funds Group.

Essential Duties and Responsibilities:

  • Manages new client documentation and implementation process; including due diligence, deposit accounts, and treasury services.
  • Coordinates with Wintrust legal and compliance on internal or external inquiries.
  • Cross-sells and upsells banking products and services to new and existing clients.
  • Assists customers with questions, service needs and problem resolution related to deposit products and online banking.
  • Organizes and leads meetings and conference calls with prospective clients.
  • Participates in various industry and bank activities.
  • Provides assistance to commercial lending staff and customers as needed.

Knowledge/ Skills/ Abilities Required:

  • Possesses excellent verbal and written communication skills.
  • Effectively presents information in one-on one and group situations for all levels of individuals within the organization and/or industry.
  • Must have banking background with some cash management/treasury experience preferred.
  • Must be familiar with account analysis.
  • Ability to multi-task in a fast paced environment.
  • Careful attention to detail.
  • Working knowledge of Microsoft Office (Word, Excel, and Outlook) and Internet Explorer. Also, the ability to learn bank systems and other software.

Training/ Education/ Experience Qualifications:

  • Undergraduate degree preferred.
  • 5 years of experience covering the alternative asset industry preferred.
  • 10 years of prior banking experience.

Supervisory Responsibilities:

  • 5 years of supervisory experience preferred.

Commercial Underwriter/Analyst


Position Title:

Commercial Underwriter/Analyst

Department/Division:

Commercial Real Estate

Location:

Northview Bank & Trust

Job Status:

Full-time


The Underwriter performs credit analysis for collateral underwriting of commercial real estate loans. Will be responsible for the on-going monitoring and risk management of an assigned portfolio of credits and will be required to develop a broad and deep understanding of the business, financial and competitive risks faced by customers in the assigned portfolio. This position requires proficiency in Microsoft Excel and Word and the ability to analyze financial statements and real estate functionality, and the capacity to compose thorough written presentations.

Risk Assessment:

  • Identify key risk factors related to specific transactions as well as assigned portfolio.
  • Compare financial condition of applicant to similar businesses in the industry (relative to Risk Management Associates industry averages as outlined by North American Industry Classification System)
  • Attend client/bank meetings to develop a better understanding of the company and assess management.
  • Develop a well-informed and balanced view of the business, financial and competitive risks faced by a company, sector and industry.

Credit Approval Process:

  • Spread balance sheets and income statements in an Excel spreadsheet.
  • Analyze credit and financial information of individuals and businesses to determine the degree of risk associated withthe extension of credit.
  • Generate financial ratios for purpose of evaluating applicant's financial condition.
  • Prepare collateral analysis of current and proposed credit requests.
  • Prepare credit-approval write-ups, present and recommend credits or approval at committee meeting.

Portfolio Management:

  • Review and maintain credit files (assessing and updating information as needed).
  • Develop a working knowledge of Loan Policy for credit requests.
  • Analyze, prepare and present for approval all required waivers, amendments and extensions.
  • Ensure risk ratings are accurate and reflect our current forwarding-looking view of customer.

Education/Learning Experience:

  • Bachelor's degree in Finance or Accounting; completion of a corporate bank credit training program a plus.
  • Minimum of 3 years in commercial real estate banking/lending experience which might include credit, structuring and marketing.
  • Possesses significant accounting and finance knowledge and commercial real estate banking experience.
  • Strong written and oral skills are required to effectively communicate, as appropriate, for the needs of the audience.
  • Candidate should have effective analytical skills necessary to identify strengths and weaknesses to draw conclusions.
  • Sharp listening skills essential to interpret points being made and ability to ask poignant questions.
  • Knowledge of customer service principles and practices.

Commercial Loan Officer


Position Title:

Commercial Loan Officer

Department/Division:

Commercial Lending

Date:

March 11, 2015

Position Summary:
Originates and services a wide variety of secured business loans or lines of credit. Maintain and strengthen customer relationships, serve as a financial advisor for business customers as requested. Develop new business by calling on potential customers through current relationships, centers of influence and cold calling efforts.

Essential Duties and Responsibilities:

  • Serve the needs of customers seeking loans or lines of credit.
  • Interview loan applicants to develop a clear understanding of their business needs, abilities and overall financial strength to determine whether a loan is an acceptable risk.
  • Obtain financial data, analyzes information received, and formulate position on creditworthiness of applicant(s).
  • Make recommendations on loan decisions and terms to supervising officer.
  • Work with Credit Analyst team in preparation of written loan presentations.
  • Make loan presentations to loan committee.
  • Call on potential or existing customers to develop new business or service to increase existing business.
  • Assist in the collection efforts of commercial loans.
  • Meet expectations set for compliance testing related to government banking regulations.

*Other duties as assigned.

Knowledge/ Skills/ Abilities Required:
Education and Experience:

  • A four-year college degree in Business or Finance.
  • Three years' experience in loan operations and credit analysis.
  • Commitment to on-the-job training, self-study courses and seminars to become familiar with applicable regulations and bank policies / procedures governing commercial lending.
  • Familiarity with bank policies and procedures in addition to regulations governing lending.
  • Must possess strong management skills and excellent communication skills.
  • Proficient in Microsoft Outlook, Word, Excel and PowerPoint.
  • Other lending software as required for documentation.

Physical Requirements:

  • Standard office environment.

Equal Employment Opportunity Policy:

“The management of the Corporation believes in equal employment opportunity. We strive to select the best qualified person for every position based on merit, qualifications, previous experience and ability to perform the work, without regard to race, color, national origin, ancestry, religion, sex, sexual orientation, marital status, age, physical or mental disability, medical condition, pregnancy, childbirth, veteran status or protected activity (for example, having made a complaint of discrimination) or other characteristic protected by federal, state or local law. Managers and supervisors must ensure that this policy is carried out in all aspects of our operations.”

 

Note: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned to meet the ongoing needs of the organization.

Equal Employment Opportunity Policy:

“The management of the Corporation believes in equal employment opportunity. We strive to select the best qualified person for every position based on merit, qualifications, previous experience and ability to perform the work, without regard to race, color, national origin, ancestry, religion, sex, sexual orientation, marital status, age, physical or mental disability, medical condition, pregnancy, childbirth, veteran status or protected activity (for example, having made a complaint of discrimination) or other characteristic protected by federal, state or local law. Managers and supervisors must ensure that this policy is carried out in all aspects of our operations.”

 

Note: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned to meet the ongoing needs of the organization.