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Essential Duties and Responsibilities

+ Develop and execute business strategies for tax-exempt banking, targeting state and local governments, municipalities, educational institutions and nonprofit organizations.

+ Cultivate and manage relationships with key clients, acting as a trusted advisor.

+ Obtains, interprets and evaluates financial information to determine credit worthiness.

+ Understands and can negotiate complex loan structures and guaranty agreements, price loans and obtain necessary credit approvals.

+ Handles difficult negotiations and credit assessments on an independent basis.

+ Contacts customers and prospects to market bank deposit products.

+ Monitors existing loans to ensure compliance with terms and takes corrective action on variances.

+ Develops and maintains a balanced and sound loan portfolio in conformance with established policies, strategies and procedures.

+ Creates a pipeline of business of secure, profitable loans and deposits.

+ Provides guidance and direction to less experienced lenders in analyzing financial data and evaluating credit worthiness.

+ Interprets, applies and recommends changes to credit policies and procedures.

+ Advises senior management on complex tax-exempt lending issues.

+ Performs other duties and responsibilities as assigned.

Knowledge of

+ Advanced structures, concepts, practices and procedures of tax-exempt lending.

+ Deep knowledge of tax-exempt entities to include understanding of the financial structures, funding sources, and regulatory environment of state and local governments, municipalities, school districts and nonprofit organizations.

+ Established organizational policies, strategies and procedures for tax-exempt lending.

+ Principles of banking and finance.

+ Financial markets and products.

Skill in

+ Analyzing financial information and determining credit worthiness.

+ Interpreting and applying credit policies and procedures.

+ Developing credit policies

+ Marketing bank deposit products.

+ Negotiating tax-exempt loan terms.

+ Maintaining a customer and prospect database.

+ Developing and maintaining a loan portfolio.

+ Structuring and pricing tax-exempt loans.

+ Verifying customer compliance with terms

+ Operating standard office equipment and using required software applications.

Ability to

+ Provide guidance and direction to less experienced lenders.

+ Provide advice and counsel on complex lending issues.

+ Attend to detail while maintaining a big picture orientation.

+ Gather information, identify linkages and trends and apply findings to assignments.

+ Interpret and apply policies and identify and recommend changes as appropriate.

+ Prioritize and manage multiple priorities in a fast-paced, dynamically changing environment.

+ Communicate effectively, both orally and in writing.

+ Work independently as well as collaboratively within a team environment.

+ Lead others in providing a high level of customer service

+ Establish and maintain effective working relationships with external customers.

+ Maintains currency in tax-exempt lending policies, practices and procedures.