FFB Bank

Role Description The AML/CFT Analyst II supports the Director of AML/CFT in the implementation and administration of the AML/CFT compliance program. The AML/CFT Analyst II performs various quality control reviews and monitoring pertaining to the Bank Secrecy Act, USA PATRIOT Act, Anti-Money Laundering Program, OFAC and Customer Identification programs using industry standards and regulatory guidance to ensure the bank’s compliance efforts are maintained daily. - Maintains proficient knowledge of current AML/CFT and OFAC regulations, as well as all applicable federal and state laws and bank policies and procedures. - Reviews daily cash reports to identify, and file required Currency Transaction Reports (CTRs), within required time limits. - Maintains files and documentation for CTR exempt customers. - Monitors AML/CFT software daily alerts, trends, and potential unusual or suspicious activities. - Investigates daily alerts and referrals to identify and report suspicious activity on simple to moderately complex cases. - Prepares and files Suspicious Activity Reports (SARs), as appropriate, based on alerts and referrals. - Maintains supporting documentation for all SARs and potential SARs. - Performs timely periodic review and analysis of high-risk customers. - Performs callback of all new deposit accounts to ensure appropriate CIP/CDD/ADD and risk score requirements are followed. - Ensures all supporting documentation for legal entity customers are scanned and maintained in the core system. - Prepares monthly reports for the Director of AML/CFT, covering key areas including high-risk customer reviews, CIP/CDD/EDD callback errors, SARs and PSARs filed, and CTRs filed. - Provides feedback to the Director of AML/CFT for potential control weaknesses, staff training needs, policy, or procedure enhancements and/or ongoing system errors. - Monitors record retention. - Supports the implementation of training programs related to AML/CFT policies, procedures, and compliance. - Contributes to the development of bank forms, notices, and procedures to ensure adherence to AML/CFT regulations. - Aids in the preparation and updating of the AML/CFT Risk Assessment, policies, and procedures. - Assists in managing the AML/CFT software monitoring system. - Assists in the preparation and coordination of independent audits and regulatory exams. - Provides guidance and research support to bank staff on AML/CFT-related inquiries. - Manages and monitors AML/CFT staff high risk analysis to ensure zero late filings and analytical reviews. - Manages and monitors 314(a) and 314(b) requests. - Manages and monitors OFAC screenings to determine potential OFAC matches. - Provides cross-training to AML/CFT staff and junior staff on software and AML/CFT processes. - Monitors regulatory updates as related to AML/CFT, including FinCEN, OFAC, FDIC and other regulatory agencies. - Prepares and publishes Compliance bulletins and information related to AML/CFT updates and changes. - Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making. - Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. - Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. - Positively represents the Bank through ethical conduct and community involvement. - Demonstrates an understanding of and commitment to EEO policies. - Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce. - Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT responsibilities specific to the role. - Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. - The position requires physical activities like sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions. - Travels up to 10%, including but not limited to attending company meetings, training sessions, and corporate events, with travel typically being regional or local based on business needs. Qualifications - Bachelor’s degree from an accredited college or university in a relevant field (e.g., Business, Finance, or related) preferred. - ACAMS or similar certification required. - Minimum 3–5 years of related experience in a financial institution working in risk management, compliance or AML required. - Proficient analytical and problem-solving skills; capable of interpreting complex data and providing meaningful insights. - Experience with CSI and Verafin preferred. - Proficiency with Microsoft Office Suite (Excel, Word, Outlook) required. - Intermediate knowledge of AML/CFT monitoring software. - Effective oral, written, and interpersonal communication skills. - Strong organizational and time management abilities with attention to detail. - Proficient teamwork and relationship skills to contribute to cross-functional collaboration and team success. - Willingness to take on special projects and perform other duties as assigned. - Commitment to continuous learning and professional development. - Ability to maintain authenticity and integrity in all professional interactions. - Capable of managing multiple priorities and meeting deadlines in a dynamic environment. - Ability to work independently with minimal supervision and as part of a team. - Proven ability to adapt to changing priorities and procedures. - Current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities. Benefits - Medical, dental, and vision coverage. - Life insurance. - Paid vacation. - 401(k) retirement plan. - Training & development opportunities. - Tuition reimbursement. - Employee Assistance Program. - Internal job postings and referral program.

• The SBA Portfolio Manager oversees the servicing, risk management, and resolution of the Bank’s SBA and government-guaranteed loan portfolio. • This role combines proactive portfolio monitoring, customer servicing, credit analysis, and problem loan support to ensure compliance with SBA SOPs, Bank policies, and regulatory requirements while mitigating risk and maximizing recovery. • Manages an assigned SBA and government-guaranteed loan portfolio, ensuring compliance with SBA SOPs, Bank policies, and regulatory requirements. • Monitors loan performance, payment activity, covenants, insurance, flood certifications, UCC filings, and other ongoing servicing requirements. • Processes customer servicing requests including disbursements, deferments, extensions, assumptions, collateral changes, subordinations, re-amortizations, and payoffs. • Prepares, reviews, and coordinates SBA servicing documentation with customers and internal teams; ensures accurate loan boarding, conducts post-closing file reviews, and maintains complete post-closing records. • Collects and analyzes borrower financial information to assess ongoing credit quality, covenant compliance, and early warning indicators. • Evaluates credit risk trends and recommends appropriate credit actions, including risk rating changes and adverse action when warranted. • Prepares credit memorandums, summary reports, and underwriting documentation to support annual reviews, modifications, or credit decisions. • Collaborates with Credit and Special Assets teams to manage criticized or classified assets and support workout strategies. • Prepares Transfer Memos for the Special Assets Team to support SBA loan workout, default, and liquidation processes. • Prepares and submits SBA Uniform Purchase Packages (UPP) and responds to SBA requests for additional documentation. • Engages internal legal counsel, SBA offices, CDCs, and external partners to support liquidation and recovery efforts. • Tracks and manages liquidation timelines, recoveries, guaranty payments, and related reporting requirements. • Prepares and submits accurate SBA reports and required portfolio monitoring reports in accordance with program guidelines. • Conducts quarterly portfolio monitoring and reconciles guaranty payments or reporting discrepancies with the SBA. • Maintains complete and accurate servicing logs, ticklers, and loan documentation in accordance with record retention standards. • Supports internal and external SBA audits by compiling required documentation and responding to audit requests. • Stays current on SBA regulatory changes and communicates updates to internal stakeholders. • Acts as a liaison between internal departments including Lending, Credit, Compliance, Legal, and Operations. • Partners with loan officers and analysts to support complex servicing and credit matters. • Assists with the development and maintenance of SBA servicing procedures and manuals. • Provides guidance and cross-training to team members on SBA servicing and portfolio management best practices. • Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making. • Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. • Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. • Positively represents the Bank through ethical conduct and community involvement. • Demonstrates an understanding of and commitment to EEO policies. • Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce. • Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role. • Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment.

• The Fraud Manager leads FFB Bank’s enterprise-wide Fraud Program, providing strategic oversight of fraud prevention, detection, and investigations. • Reporting to senior leadership, the role manages the Fraud Operations team and collaborates with internal partners, external stakeholders, and clients to ensure effective risk mitigation. • This position drives strategic initiatives, strengthens cross-functional communication, and promotes operational excellence across the organization. • Contributes to process improvement by identifying inefficiencies and offering solutions within workflows. • Drives team performance by setting clear goals, monitoring results, and implementing strategies to exceed targets. • Supervises, coaches, and develops staff including conducting performance evaluations, taking corrective action and providing ongoing feedback and mentorship. • Collaborates with senior leadership and cross-functional teams to support company initiatives and strategic objectives. • Leads the Fraud Operations team while cultivating a culture of teamwork, open communication, accountability, and service excellence. • Oversees all fraud-related services offered across FFB to ensure effective and consistent delivery. • Coaches and develops staff to support high performance, continuous learning, and professional growth. • Ensures team members are trained, evaluated, and motivated to deliver progressive and effective fraud mitigation. • Oversees fraud detection, prevention, and mitigation activities across multiple FFB business lines, ensuring alignment with FFB policies, regulatory requirements, and industry best practices. • Enhances fraud analytics tools, processes, and reporting to strengthen identification of emerging risks and improve organizational awareness. • Conducts ongoing assessments of fraud and money-laundering risks, maintaining bi-annual fraud risk assessments and producing annual program reports for senior leadership. • Recommends strategic enhancements to strengthen FFB’s overall Fraud and Financial Risk program. • Leads investigations and work cross-functionally with Central Operations, Branch Operations, Merchant Services, BSA/AML, Compliance, Enterprise Risk Management (ERM), and other FFB departments. • Coordinates directly with clients to quickly, accurately, and professionally resolve fraud matters while providing clear communication and a positive client experience. • Serves as a primary liaison with law enforcement agencies and external partners, supporting cases and facilitating information-sharing as appropriate. • Prepares and presents materials to leadership, committees, and business units that communicate fraud patterns, emerging trends, and mitigation strategies. • Maintains ongoing updates to the FFB Fraud Program, ensuring alignment with strategic goals and regulatory expectations. • Coordinates and delivers internal and external fraud prevention training aimed at strengthening organizational knowledge, client protection, and FFB’s fraud-aware culture. • Supports enterprise-wide fraud awareness campaigns and partner with all relative departments to ensure staff receive appropriate and timely training. • Oversees and continuously improves FFB’s Fraud Program, including program development, monitoring, investigative processes, and risk-mitigation strategies. • Partners with Human Resources, Legal, Compliance, and Internal Audit as needed to address internal risks and support coordinated risk-management efforts. • Adheres to all FFB policies, procedures, and standards as outlined in the Employee Handbook and operational guidelines. • Participates in required compliance, fraud, and risk training, ensuring alignment with FFB’s regulatory and ethical obligations. • Ensures team compliance with internal policies and procedures, regulatory guidelines, and industry standards. • Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making. • Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. • Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. • Positively represents the Bank through ethical conduct and community involvement. • Demonstrates an understanding of and commitment to EEO policies. • Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce. • Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role. • Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. • The position requires physical activities like sitting, walking, and reaching. • Reasonable accommodation can be made for individuals with disabilities to perform essential functions. • Travels up to 10%, including but not limited to attending company meetings, training sessions, and corporate events, with travel typically being regional or local based on business needs.

• The Product Owner leads the delivery and continuous improvement of digital banking platforms and internal tools. • Owns and manages the product backlog, including prioritization and alignment to business goals. • Drives product roadmap planning and execution in partnership with Product Management and cross-functional stakeholders. • Leads delivery from intake through production, including requirements definition and launch readiness. • Balances customer experience, regulatory requirements, technical constraints, and operational readiness in prioritization decisions. • Works with engineering and technical partners to define requirements that account for security and scalability. • Acts as the product owner for assigned vendor platforms and leads working sessions with vendor teams.

• Generates new leads through outbound calls, emails, networking, and in-person meetings • Builds and maintains strong relationships with prospective and existing clients to drive long-term business • Uses CRM systems to track interactions, update customer records, and manage pipeline activity • Drafts proposal letters and facilitates the exchange of information and documentation necessary to complete the loan analysis • Maintains a working knowledge of the SBA S.O.P. and other regulation manuals • Coordinates with loan processor / closer and loan underwriter to assist with any customer needs throughout the loan transaction • Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image • Fosters a respectful, inclusive workplace by valuing cultural differences

• Generates new leads through outbound calls, emails, networking, and in-person meetings. • Builds and maintains strong relationships with prospective and existing clients to drive long-term business. • Uses CRM systems to track interactions, update customer records, and manage pipeline activity. • Prepares proposals and performs sales presentations and product training at client locations. • Prepares client implementation documents. • Prepares and maintains client files. • Performs follow up with Merchant Services referrals from bank employees. • Provides telephone support and acts as primary customer service contact for Merchant Services customers to assist with general account inquiries, technical support, billing, and any other special requests. • Monitors portfolio reports (low volume, no activity, inventory record). • Acts as liaison to branch staff with qualifying Merchant services prospects and joins them in sales activities to generate new business (call blocks, outbound visits, Bank huddles). • Performs pricing review of regional competitors, maintains prospect database and monthly sales reports tracking ongoing activity. • Performs periodic portfolio reviews to identify revenue opportunities. • Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making. • Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. • Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. • Positively represents the Bank through ethical conduct and community involvement. • Demonstrates an understanding of and commitment to EEO policies. • Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce. • Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role. • Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. • The position requires physical activities like sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions. • Travels up to 75% including but not limited to frequent trips to client locations, sales presentations, industry conferences, corporate events, and training sessions. Travel may include long-distance flights, overnight stays, and local transportation.

• Generates new leads through outbound calls, emails, networking, and in-person meetings. • Builds and maintains strong relationships with prospective and existing clients to drive long-term business. • Uses CRM systems to track interactions, update customer records, and manage pipeline activity. • Drafts proposal letters and facilitates the exchange of information and documentation where requested by underwriter or management which is necessary to complete the loan analysis for presentation to Senior Management or Directors’ Loan Committee. • Maintains a working knowledge of the SBA S.O.P., and other regulation manuals and the like, to maintain a functioning knowledge of the Government Guaranteed Loan Programs. • Coordinates with loan processor / closer and loan underwriter to assist with any customer needs throughout the loan transaction. • Contributes to the overall profitability of the department and bank; implements cost controls, income generation, and department marketing efforts; monitors expenses to ensure compliance with the department budget. • Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees. • Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition. • Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena. • Provides leadership and training to less experienced loan officers and other staff members. • Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making. • Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. • Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. • Positively represents the Bank through ethical conduct and community involvement. • Demonstrates an understanding of and commitment to EEO policies. • Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce. • Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role. • Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. • The position requires physical activities like sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions. • Travels up to 75% including but not limited to frequent trips to client locations, sales presentations, industry conferences, corporate events, and training sessions. Travel may include long-distance flights, overnight stays, and local transportation.

• Generates new leads through outbound calls, emails, networking, and in-person meetings. • Builds and maintains strong relationships with prospective and existing clients to drive long-term business opportunities. • Uses CRM systems to track interactions, update customer records, and manage pipeline activity. • Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information. • Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. • Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visits sites of loans; negotiates loan terms and conditions. • Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements. • Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved. • Ensures that certification or deletion of collateral is made by the appropriate personnel. • Negotiates, underwrites, and processes renewals of credit facilities. • Approves loan payments, draws from lines of credit, and fund transfers within specified limits. • Authorizes commitment, engagement, auction, and decline letters. • Contributes to the overall profitability of the branch and region; implements costs controls, income generation, and branch and region marketing efforts; monitors expenses to ensure compliance with budget. • Verifies funds with mortgage companies and contractors. • Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition. • Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena. • Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits. • Provides deposit and loan account ratings. • Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken. • Responsible for achieving annual deposit and loan growth goals assigned by Senior Management. • Provides leadership and training to less experienced loan officers and other staff members. • Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making. • Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. • Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. • Positively represents the Bank through ethical conduct and community involvement. • Demonstrates an understanding of and commitment to EEO policies. • Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce. • Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role. • Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. • The position requires physical activities like sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions. • Travels up to 75%, including but not limited to frequent trips to client locations, sales presentations, industry conferences, corporate events, and training sessions. Travel may include long-distance flights, overnight stays, and local transportation.

• Develops and maintain a comprehensive understanding of all Card Brand rules and network regulations related to Payment Acceptance and risk business line activities. • Ensuring Bank is in Card Brand compliance and work to implement recommended best practices. • Maintains compliance data and reporting on PCI compliance validation progress across the organization for Merchants, Partners, Vendors and Third Parties. • Communicates with Merchants, ISOs and Card Brands to assist and facilitate resolution of data compromises and security incident response. • Completes Retro Match Searches. • Prepares and submit Monthly, quarterly and annual Card Brand reporting. • Submits ISO and/or merchant registrations as appropriate. • Assists with Periodic reviews and portfolio oversight as necessary. • Tracks the status of merchant non-compliance and follow through to resolution. • Assists with merchant data compromise and security incident response. • Provides guidance and respond to daily inquiries from peers and ISO partners. • Prepares key points for presentation to management pertaining to non-compliant customers that pose heightened risk to the Bank. • Maintains accurate and thorough documentation and audit trails of merchant assessments, reports, etc. in a timely manner. • Provides updates to internal and external staff and partners related to updates and changes to Regulatory and Card Brand rules. • Ensures Merchant Service Policies and Procedures meet Card Brand rules and regulations. • Assists with preparation of on-site visitations to third party payment processors and coordinates audits performed by the business line, Third Party Risk Management and Financial Crimes Risk Management. • Ensures proper communication and compliance of company and regulatory policies affecting areas managed. • Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making. • Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. • Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. • Positively represents the Bank through ethical conduct and community involvement. • Demonstrates an understanding of and commitment to EEO policies. • Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce. • Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role. • Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. • The position requires physical activities like sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions. • Travels up to 10%, including but not limited to attending company meetings, training sessions, and corporate events, with travel typically being regional or local based on business needs.

• The Commercial Relationship Manager I-III (CRM) is responsible for soliciting, negotiating, underwriting, and coordinating the closing of equipment, commercial real estate, and business loans in compliance with the Bank’s lending policies and procedures. • This role develops and manages business checking, deposit, and lending relationships while promoting the Bank’s products and services through strong client relationships and internal referrals. • Generates new leads through outbound calls, emails, networking, and in-person meetings. • Builds and maintains strong relationships with prospective and existing clients to drive long-term business opportunities. • Uses CRM systems to track interactions, update customer records, and manage pipeline activity. • Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information. • Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. • Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visits sites of loans; negotiates loan terms and conditions. • Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements. • Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved. • Ensures that certification or deletion of collateral is made by the appropriate personnel. • Negotiates, underwrites, and processes renewals of credit facilities. • Approves loan payments, draws from lines of credit, and fund transfers within specified limits. • Authorizes commitment, engagement, auction, and decline letters. • Contributes to the overall profitability of the branch and region; implements costs controls, income generation, and branch and region marketing efforts; monitors expenses to ensure compliance with budget. • Verifies funds with mortgage companies and contractors. • Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition. • Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena. • Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits. • Provides deposit and loan account ratings. • Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken. • Responsible for achieving annual deposit and loan growth goals assigned by Senior Management. • Provides leadership and training to less experienced loan officers and other staff members.