Job Description:

• Responsible for the acquisition, retention and expansion of new and existing clients.
• Determine credit eligibility by analyzing financial statements, cash flow, collateral, and credit risk to ensure sound lending decisions.  Structure, underwrite and present credit requests, including commercial mortgages, term loans, lines of credit, equipment financing and cash management related solutions.
• Negotiates terms of credit including pricing, repayment method and schedule, and collateral requirements.
• Manage portfolio within established lending criteria, including covenant compliance, renewals and risk ratings, and maximize profitability to the bank. 
• Develop on-going business development plan that garners new business for the bank by proactively identifying, soliciting, and originating new commercial lending opportunities through networking, referrals and community involvement.
• Monitor loan repayment activity and develop plan of action for any troubled credits.
• Responsible for originating new business, structuring credit solutions and maintaining strong relationships with business clients while ensuring compliance with bank policies and regulatory requirements.
• Oversees proper handling of customer transactions such as advances, payments, wire transfers, etc.
• Represent the bank through participation in local business organizations and community events.

Required Experience:

• Seeking individual with 5-10 years experience in bank commercial lending in the Lehigh Valley area, with a focus on C&I credits
• Bachelor’s Degree in Business, Finance or Accounting preferred.
• Ability to understand business financial data, balance sheet and cash flow analysis. 
• Ability to develop customized solutions for business clients, while maintaining a relationship oriented mindset with a strong commitment to customer service.
• Strong knowledge of loan documentation and banking government regulations.
• Excellent interpersonal skills, including strong communication, negotiation, and presentation skills.
• Strong communication skills and ability to respond to questions from customers and internal bank personnel, including senior management.
• PC experience – WORD and EXCEL. 

New Tripoli Bank is seeking a Part-Time Community Banker, with the availability to work Saturday mornings.  

Performs a variety of duties to support the paying and receiving function of the community bank office of which the following are illustrative:

• Accepts deposits of various account types.
• Cashes checks within the approved authority and operating policy.
• Sells Cashier’s Checks, Money Orders, Certified Checks, etc.
• Accepts loan payments, safe deposit box rent, utility payments, and other related payments.
• Processes night deposits and mail deposits.
• Greets and serves customers in a friendly and courteous manner.
• Maintains an awareness of new business opportunities with customers; actively refers customers to appropriate customer service personnel.
• Maintains an approved level of cash; turns in excess and mutilated cash and checks for counterfeit bills.
• Prepares daily settlement and proof of cash transactions; balances cash drawer accurately and efficiently on a daily basis (Branch  Capture).
• Prepares daily work for delivery to the operations area.
• Processes general ledger accounts related to the paying and receiving function, e.g., Utilities, Coin, inter-bank accounts, etc.
• Prepares reports relating to the function, e.g., currency transaction, BSA reports, etc.
• Coin counting service for customers. Cross-sells other deposit, loan, and internet banking products to customers when appropriate.
• Settle ATM on a daily basis and process ATM transactions.
• Filing
• Annual safe deposit box inventory and delinquent account follow-up.

Qualifications: 

• Prior banking experience preferred
• High School Diploma
• Proficient PC/typing skills
• Occasionally must be able to lift and carry up to 50 pounds
• May remain in stationary position, often standing or sitting for prolonged periods of time.
• Customer Service experience

Work Schedule: Monday-Friday, with Saturday morning hours.