Director of Non-Profit & Municipal Lending - Commercial Banking

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written!

If you are interested and qualified for this role, we invite you to apply.

The Director will establish/manage a business model/approach to help generate new opportunities, support our markets and help monitor a business segment centered in not-for-profit organizations and municipalities, but with a primary focus on not-for-profit organizations. Additionally, this role will be required to act as a portfolio manager of FFB’s existing book of not-for-profit and municipal lending. This role will be required to establish pricing, loan policy and a marketing plan to profitably grow this business in a risk-appropriate manner as well as participate in credit functions to effectively move transactions through our credit process. Additionally, this role will be needed to develop portfolio management tools and processes to monitor the performance of the borrowers and the risk profile of this portfolio. As the business segment grows, there will be a need to add portfolio manager(s) and possibly sales specialists.

Essential Functions/Responsibilities

• The Director will help determine credit eligibility, prepare loan narratives, ensure loans meet appropriate criteria, and effectively cross-sell a wide variety of products and services.
• Work with our credit partners and finance team to develop loan policies and pricing strategies that will help grow this business segment and make FFB more competitive.
• Grows and maintains a profitable risk appropriate book of business (loans and deposits) to achieve both individual and business segment goals.
• Creates processes and tools to help qualify prospects by collecting and analyzing financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan requests.
• Responsible for portfolio management including monitoring credit quality which includes past due credits, non-performing and credit exceptions, covenant compliance and credit exceptions of their active portfolio.
• The Director will help determine credit eligibility, prepare loan narratives, ensure loans meet appropriate criteria, and effectively cross-sell a wide variety of products and services.
• Work with our credit partners and finance team to develop loan policies and pricing strategies that will help grow this business segment and make FFB more competitive.
• Grows and maintains a profitable risk appropriate book of business (loans and deposits) to achieve both individual and business segment goals.
• Creates processes and tools to help qualify prospects by collecting and analyzing financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan requests.
• Responsible for portfolio management including monitoring credit quality which includes past due credits, non-performing and credit exceptions, covenant compliance and credit exceptions of their active portfolio.
• Actively participates and represents First Financial Bank in various community, civic and professional organizations.
• Responsible for understanding clients’ financial goals, provide credible advice and recommend products that fit their holistic needs. Intimately understand clients’ business priorities and refer them to other lines of business as appropriate.
• Collaborates with Bankers, Financial Center Managers, Retail Leaders, Credit/Underwriting, Loan Processing and Documentation teams and Bank executive management.
• Participates in FFB marketing, social networking and sales promotions specific to the business line, contributes to initiatives and programs designed to promote organization’s strategic priorities, complies with all bank, loan and regulatory guidelines and policies.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

• Bachelor’s degree, preferably in accounting/finance.
• Ten (10) years of proven experience specific to not for profit/municipal relationship/portfolio management.
• Excellent interpersonal, written and verbal communication and presentation skills.
• Excellent organizational skills and ability to handle and prioritize multiple tasks.
• Well-developed analytical and problem-solving skills.
• Ability to generate new business through a consultative sales approach.
• Demonstrated sales and negotiating experience. Marketing oriented.
• Ability to work effectively with individuals and groups in managing customer relationships.
• Well versed in product/industry knowledge.
• Credit training, credit quality and underwriting experience; including financial and portfolio analysis.

Preferred Knowledge and Skills

• Demonstrated experience working with not for profit and municipal lending and portfolio management.
• Experience in creating policies and philosophies specific to not for profit and municipal business line management in the banking industry.

Level of Complexity and Scope

• Strong sales, credit policy and portfolio management skills.
• Ability to compile, analyze and act upon widely diverse points of view and exceptional skill at gaining agreement on issues of the highest level of importance

Degree of Independence and Decision-Making

• Works with limited supervision.
• Collaborates with senior leadership / market leaders across the organization.
• Authority and freedom to act independently and make decisions within broad interpretation of laws, regulations and company policies. Such decisions could have a significant short-term effect on company financial results and business prospects.
• Has experience that will allow the director to create and advocate for policy change and pricing approaches.

Required Supervisory Responsibilities

• No direct supervisory requirements, but may evolve to include acting as a team lead as additional associates are added due to growth.

Physical Requirements

• Sitting for long periods of time
• Lift up to 10lbs

Compliance Statement

The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.

Development and Training

Pay Range:

$130,000/year to $206,000/year

Benefits

We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide. 

Incentive Eligibility

All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.

It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.

We are an E-Verify Employer.