Commercial Lender

The First Bank and Trust Company is "The Bank That Puts YOU First"

First Bank and Trust is looking for a Commercial Lender who can be a market leader in Waynesboro, Virginia. This individual would be responsible for developing and maintaining a high quality and profitable commercial loan portfolio and introducing the First Bank and Trust products and services to prospective clients.

Mission Statement: First Bank and Trust is here to meet the credit investment and financial services of our community through a diverse array of financial products distributed through accessible locations with exceptional customer service while providing our shareholders with an above average return on their investment while at the same time maintaining employee security and longevity.

If you are a team player, enjoy helping others and have Commercial Lending experience then you should apply for this great opportunity at First Bank and Trust.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Develop and maintain a profitable commercial loan portfolio.
• Interview applicants to develop credit and financial information to determine if a loan is an acceptable risk.
• Consult with customers to provide financial advice and obtain current credit and financial information as needed.
• Work to attract new loan and business customers.
• Represent the bank in the community to develop business and promote FB&T products and services.
• Identifies and explores business development opportunities within the community through bank customers, business owners, real estate investors, builders, realtors, attorneys, accountants, etc.
• Prepare and present loan requests to the loan committee for approval.
• Manage loan portfolio relating to maintenance, modifications, and renewals on existing credits.
• Monitors the asset quality of the commercial loan portfolio including authorizing credit and maintaining appropriate underwriting standards. Monitors and supports the loan portfolio relating to origination, billing, outstanding balances, delinquencies, charge offs, fee income, interest income and return on assets.
• Adheres to regulatory compliance, governing documentation, record keeping, origination, collection laws and regulatory reports.
• Correspond with loan processors, underwriters, and credit analysts.

BENEFITS:

• Medical, Dental and Vision Insurance
• 401K/ESOP Plan
• Life Insurance
• Flexible Spending Dependent Account
• Long Term Disability Insurance
• Group Policies (Accident, Hospital & Critical Illness)
• AFLAC Individual Policies (Short Term Disability & Cancer)
• Leave - PTO, Marriage, and Bereavement

MINIMUM EDUCATION AND EXPERIENCE:

• Work Experience may be considered in lieu of a bachelor's degree
• Five years of experience in a financial institution, loan department, or similar area.
• Extensive knowledge of lending services and related areas
• Good managerial, communication, and public relationship skills
• Ability to general new clients through business development activities

CORE VALUES:

• High Quality Customer Service
• Motivated Employees
• Profits
• Honesty
• Enjoyment

First Bank and Trust is an Equal Opportunity Employer EOE/AA/M/F/Disabled/Veteran