Careers
Chief Lending Officer
Reporting to: President/CEO
FLSA Status: Exempt
Scope: Approximately 7 direct and 4 indirect reports. Responsible for overall loan portfolio of approximately $325 million including consumer lending, mortgage lending, business banking and collections.
Summary: Works closely with the President/CEO to carry out the mission of Washington Savings Bank. Participates in strategic planning and the development of bank policies, procedures, and goals to best serve the bank and its customers. Responsible for establishing and achieving sales goals in the lending area.
Develop and implement consistent lending policies and procedures to ensure consistent, sound growth in compliance with applicable regulations. Directs and monitors all lending operations, including commercial (business) loans, the residential mortgage department, consumer lending and the related risk management.
Essential Duties and Responsibilities to be performed directly or through subordinates include the following:
· Oversee the lending function of the bank.
· Participate in the bank’s strategic planning.
· Serve as a partner to the President/CEO in implementing the bank’s plans.
· Develop and support the banks’ loan growth strategy.
· Set the loan department’s strategic plans to align with the bank’s business plan. Establish and ensure the implementation of target goals for each member of the lending department that are consistent with the strategic plan.
· Communicate effectively with all employees to ensure positive and clear understanding of bank goals and direction to ensure clear understanding of rules, regulations, requirements, and expectations.
· Creating a positive work environment where employees thrive, and the organization achieves desired results.
· Monitors adherence to sound credit practices and administration policies and procedures.
· Implements, directs, and monitors lending policies and procedures in accordance with the bank’s goals and strategies. Works with other departments to maintain consistency in bank policies and procedures, effective workflows, and positive inter-departmental relations.
· Oversees the development of performance standards and production goals for the staff.
· Designs the development and training plans for each direct report, to include coaching, motivation, and support; working through departmental leaders and supervisors, ensures the same is created for indirect reports.
· Resolves customer complaints with the appropriate personnel.
· Research, evaluate for feasibility and provide recommendations for new lending products. Develop and implement plans for expansion of lending programs. Keep abreast of changes in the industry and changing trends in lending and react to these changes in a way that maintains competitiveness.
· Reports and coordinates with the President regarding any matters involving the loan portfolio, to include recommendations to the Board of Directors.
· Serves on Bank and Board Committees as requested.
· Represents and promotes the bank at external community and industry functions.
· Maintain a functional knowledge of the Federal laws, including but not limited to US Patriot Act, Office of Foreign Assets and Control, Anti-Money Laundering, Right to Financial Privacy Act, the Bank Bribery Act, Customer Identification Program, Fair Lending, and Credit Card Act.
· Comply with all Washington Savings Bank policies and procedures to ensure compliance with such regulations.
· Performs other duties as required.
Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience
· Minimum of ten years or related experience, in a corporate level strategic lending position is required.
· Bachelor’s Degree in a relevant field is preferred.
· Minimum of fifteen years lending experience
· Must have knowledge of mortgage, consumer, business risk lending practices and procedures.
· Must have excellent interpersonal, motivational, analytical, and oral and written communication skills.
· Capable of compiling, analyzing, preparing, and presenting reports with financial/statistical data.
· Proficient in the use of standard business applications (MS Word, Excel, PowerPoint and Outlook).
· Thorough knowledge of lending compliance and legal issues.
· Excellent analytical and organizational skills.
· Excellent managerial, interpersonal and communication skills.
About Washington Savings Bank: Founded in 1883, Washington Savings Bank is a customer owned savings bank with five locations in central Illinois. We operate in a fun, family friendly environment that gives back to the communities we serve.
EOE Statement: We are an equal employment opportunity, affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.
Commercial Loan Officer
Are you looking for an opportunity to help develop new business in the area? Washington Savings Bank is growing, mutually owned bank with 5 locations in Coles and Effingham County. In business since 1883, Washington Savings Bank prides ourselves as a community centered, high performing institution and has the honor of being rated 5 stars by Bauer Financial for 30+ years. We are seeking hardworking, experienced Commercial Loan Officers to join the WSB Team in our Mattoon and Effingham locations!
In this position you will work to develop, manage, and grow small business, commercial, and/or commercial real estate loans and commercial and retail deposit accounts and relationships.
Customer Service Representative
As a member owned bank, we pride ourselves on our customer service. As a Customer Service Representative, you will serve as a professional and efficient point of contact for customers. Start your career in banking today and make a real impact. Washington Savings Bank is currently seeking Customer Service Representatives in Effingham & Mattoon.
Apply in person at:
200 S. Banker Street, Effingham, IL
or 1111 Charleston Ave., Mattoon, IL
Equal Opportunity/Affirmative Action Employer
Retail Banker
At Washington Savings Bank our employees are an important part of our success. We are committed to providing an environment that fosters professionalism, growth and opportunity. We recognize that our team is the reason we provide one of the highest levels of customer service anywhere.
This position will allow you to grow professionally and will give you the perfect opportunity to become a respected member of an amazing team. We are currently seeking a service professional to join our team as a Full-time or Part-time Teller in Effingham & Mattoon.
No experience necessary.
Apply in person at:
200 S. Banker Street, Effingham, IL
or 1111 Charleston Ave., Mattoon, IL
Equal Opportunity/Affirmative Action Employer
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Apply to join our Wealth Management team! The Trust Operations Specialist will assist the administrator with effective and efficient operations of the department based at 1117 Broadway Ave. East, Mattoon.
Role and Responsibilities
· Record and document security transactions.
· Post payments of interest/dividends to client accounts.
· Preparation of withdrawal orders, transmittal papers, and transfer confirmations, based on Senior Trust Officer requests.
· Reconciliations of data system.
· Distribution of customer statements.
· Daily balancing of department DDA.
· Daily processing of account transactions on software.
· Assist in check processing, wires & ACH’s for clients.
· Assist in maintaining client files.
· Coordinate transfer of assets between companies, and clients.
· Assist with developing ways to make department more efficient.
· Enters security trades on trading platforms per STO.
· Assist with organizing material for auditors, examiners and meetings.
· Setting up new accounts on software.
· Setting up new assets on software.
· Administer Escrow Accounts.
No experience necessary.
Apply in person at:
1117 Broadway Ave. East, Mattoon, IL
Equal Opportunity/Affirmative Action Employer
