Market President

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At Midwest Heritage, the core of our culture is taking care of the customer and taking care of each other. Our employees appreciate that their contributions make a direct impact on the success of our business as well as their own personal and professional growth.

• Lending/Sales

• Strategic Thinking 

• Communication

•Organization  

• →Ensures a competent, motivated staff through training, counseling, supervision, and review of department activity and results.
• →Manages the day-to-day loan, financial, compliance and business operations of the office.
• →Ensures the bank and employees are involved in the community and considered a key component of the community.

• →Cross-sells all Midwest Heritage products and services.
• →Identifies and contacts key prospective commercial and business customers in the market. Document calls, contacts, all proactive behaviors and results in Salesforce.  Share reports on all activity with supervisor weekly.
• →Stays abreast of all business related activities and organizations in the community.
• →Responsible for initial discussion with loan applicants.  Explains available loan programs.
• →Completes financial statement, cash flow, documents credit history and collects all required and supporting file and credit information.
• →Establishes and negotiates the terms under which credit will be extended, including the cost, repayment method, schedule and collateral requirements. 
• →Makes business visits verifying assets and collateral such as inventory, equipment, etc.  Makes credit recommendations and file comments based on the visits. 
• →Closes loans as approved and releases loan funds and sale of products according to an approved cash flow and business plan.

• →Recommends lending area capital expenses and lending departmental changes to Senior Lender.
• →Assists in strategic planning and leads efforts to achieve objectives set for lending area of bank.
• →Assists with budget planning; projects lending area growth targets and adheres to budget
• →Works with executive team to meet strategic and budget targets.

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• Must have a friendly positive attitude, strong written and verbal communication skills and the ability to approach people.
• Self-motivation, strong work ethic and the ability to build personal relationships.
• Must be able to work independently with little daily supervision.
• Must possess competitive spirit.
• Excellent organizational skills, work with detail, high level of accuracy, and follow-up skills are required.
• Required to be able to maintain a high degree of confidentiality.
• Will always present themselves in a professional manner.
• Must have proficiency of PC with Microsoft Word, Excel, Access, Outlook, Moody’s Web Equity

• Bachelor’s degree.
• Bank office management and experience in business lending. 
• Minimum of fifteen years of banking and lending experience.   

• This position is classified sedentary/light and requires the ability to sit for long periods of time.
• Visual requirements include: ability to see detail at near range with or without correction.
• Must be able to perform the following physical activities: sitting for long periods, talking (in person and by telephone), hearing and repetitive motions.

• The duties of this position are normally performed in a general office setting. This is a fast paced work environment.
• There is frequent pressure to meet deadlines and handle multiple projects in a day.
• Must be able to work independently with little daily supervision.
• < 10% travel mainly local between Midwest Heritage locations, training and job fairs.

PC with Microsoft Office programs.

This position works with Midwest Heritage employees, customers, Hy-Vee employees, vendors and outside agents doing direct business with Midwest Heritage

This position has the responsibility to protect the privacy and confidentiality of customers, employees and bank/insurance/financial information at all times. 

In the performance of their respective tasks and duties all employees are expected to:

• Follow all state and federal regulatory requirements and complete assigned training courses within the required timeframes.
• Perform quality work within deadlines.
• Interact professionally with other employees, customers and suppliers.
• Work effectively as a team contributor on all assignments.
• Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.