Senior Lending Officer

Position Summary: Develops and manages credit relationships with high net-worth individuals, corporations and partnerships to provide credit, deposit, investment and fiduciary services.

Essential Job Functions:

• Reviews individual account relationships to determine opportunities to provide credit, deposit and investment services.
• Develops client-referral sources and initiates contact with prospects to develop credit, deposit and investment relationships.
• Develops and implements action plans to develop new client and referral relationships and to broaden existing client relationships. Assuring that each client has the proper access to appropriate solutions regardless of delivery channel.
• Participates in the development of new solutions to client needs, brings in other FineMark experts when appropriate and ensures smooth delivery of new services.
• Analyzes, prepares and presents credit requests.
• Negotiates credit terms, such as interest rates, fees, etc.
• Ensures that loan requests are thoroughly analyzed and are properly prepared in accordance with the bank's lending policy.
• Supervises loan process to ensure timely closings and client satisfaction.
• Manages existing portfolio to include covenant compliance, past dues, document deficiencies and timely renewals.
• Promotes bank culture with staff and provides coaching as necessary to ensure culture is top priority.
• Utilizes client contact system (Salesforce).
• Other duties as assigned by management.

Position Qualifications:

• A bachelor's degree in business, finance or accounting.
• Seven to ten years of experience developing commercial, residential and consumer credit relationships, preferably in a private-client or wealth management environment, is required.
• Knowledge of the banking industry and credit products usually acquired through formal credit training, education and experience is required to enhance client relationships.
• Knowledge of, or have the ability to acquire knowledge of, investment and trust solutions as well as general financial consulting is necessary to expand relationships.
• Must have the demonstrated ability to underwrite personal loan transactions such as unsecured lines of credit, equity credit lines, residential mortgages and provide loans secured by securities.
• Must have the ability to underwrite commercial loan transactions such as business and commercial real estate loans.

ADA Job Description: The physical requirements and activities described herein are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Physical Requirements. This position primarily requires sedentary work; exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Walking and standing are required only occasionally.

Physical Activities. The following physical activities are frequently required: talking is required to express or exchange ideas by means of the spoken word and hearing, with or without correction, is required to perceive the nature of sounds at normal speaking levels. The use of fingers is frequently required to pick, pinch, type (e.g., keyboard) or otherwise work, primarily with the fingers rather than with the whole hand as in handling. There is frequent repetitive motion which requires substantial movements (motions) of the wrists, hands, and/or fingers. This position may occasionally require that a person climb, balance, stoop, kneel, crouch, crawl, reach, push, pull, lift, grasp and/or feel.

Visual Acuity Requirements. Close visual acuity and the ability to adjust focus, with or without correction, are required to perform activities such as, viewing a computer monitor or written materials and documents; reading; writing; preparing and analyzing data and figures; transcribing; close visual inspection. Some distance vision and color vision may be necessary.

Environmental Conditions. A person is not substantially exposed to adverse environmental conditions and only exposed to moderate noise; they may occasionally work near moving mechanical parts or machinery such as a copier/printer.

FineMark National Bank & Trust complies with the Americans with Disabilities Act (ADA) and the Americans with Disabilities Amendments Act (ADAAA). During the interview process, you may be asked questions concerning your ability to perform job-related functions. As an equal employment opportunity (EEO) employer, FineMark National Bank & Trust adheres to a policy of making employment decisions without regard to race, color, religion, sex, national origin and status as an individual with a disability or protected veteran. We assure you that your opportunity for employment with FineMark depends solely upon your qualifications.

FineMark is a Drug-Free Workplace. Before hire, drug tests are conducted for all positions. Drug and alcohol tests may be conducted during employment. You may request a copy of FineMark National Bank & Trust's Drug-Free Workplace Policy by contacting [redacted].