As chairman, responsible for working with the board and president to develop the overall strategic plan for the bank.
DUTIES
- Serve as Chairman of the Board.
- Coordinate all contact with the Board.
- Prepare agenda for all meetings of the Board and chair those meetings with an emphasis on participation by the Board and with efficient time usage.
- Work in close coordination with the President on the strategic planning process for the bank.
- Develop, review, and monitor all compensation systems in the bank, with particular emphasis on officers and supervisors.
- Coordinate with the President and direct the budgeting process for the bank.
Lead the strategic planning process of the bank. This includes the identification, development, and implementation of approved complementary business activities and subsidiaries.
FINANCES
Monitor a daily statement for the bank which includes a balance sheet and income statement. Monitor the operations of the bank to insure that budgetary goals and projections are being met.
RELATIONSHIPS
Assess the developmental needs and career paths of all officers of the bank and make recommendations to the President and/or Executive Committee members.
JOB DESCRIPTION: President and Chief Executive Officer DEPARTMENT/DIVISION: Executive REPORTS TO: Chairman SUPERVISES: Executive Vice President Executive Secretary
JOB SUMMARY
Under direction of and in cooperation with the Board of Directors, provide leadership, direction, and guidance of the bank's activities to assure short-and long-range profitability and planned growth of the bank.
DUTIES
- Keep the board of directors informed of financial results of operations, the status of loans, banking competition, and new business developments.
- Make recommendations to the Board on a wide range of subjects, including: officer appointments and changes in organization, loans, new or redesigned services, annual operating budget, salary and benefit administration, and physical plant renovation.
- Meet regularly with officers and other key staff; communicate policies and goals; and delegate responsibility for daily operations and administration.
- Assure the smooth flow of information throughout the bank and coordinate the various functional operations.
- Assure that the needs of major customers are satisfied.
- Represent the bank and provide leadership in key community activities.
- Resolve serious customer complaints.
- Supervise, with the Executive Vice President, the officer staff and consult with them on staffing and organizational needs.
- Work with the officers in resolving personnel problems in their areas of responsibility; meet with individual staff members, when necessary, to resolve problems.
- Monitor the bank's job evaluation and salary administration programs.
- Participate in professional associations; attend conventions, conferences, and seminars; and read pertinent publications.
- Maintain close relationships with other bankers to be aware of new services or opportunities to increase profit or decrease expenses.
- Serve as a member of the loan review committee, agricultural committee, investment committee, asset/liability committee, personnel committee, and the executive committee.
1. Give overall direction to development and maintenance of standards for operating efficiency with comprehensive, specific, and measurable goals.
2. Research, develop, and implement new strategies for profitability and operating efficiency.
3. Develop, in cooperation with the executive committee, ongoing short-and long-range plans.
4. Evaluate operations to identify needs and current problems.
FINANCES
Review operational budgets to see that they meet the goals and objectives as identified. Pose revisions and alternatives to the budgets when necessary.
RELATIONSHIPS
- Review personnel performance evaluation of department heads with each member of the executive committee to insure that they are complimentary to the maintenance of employee morale, efficiency, and development.
- Provide direct guidance of personnel activities with members of the executive committee as it relates to salary administration, management incentives, and performance objectives to insure solid team efforts toward the attainment of department and bank goals.
- Conduct performance evaluations for members of the executive committee.
- Participate in outside civic activities which enhance the bank, personal growth, and the community.
The Executive Vice President is a broad-base job with responsibility for supervision of the Senior Vice Presidents in each bank department. Additionally, the Executive Vice President serves as secretary to the Board of Directors, maintains appropriate minutes for the board and its committees, maintains the stock register, serves to see that various committees meet, and that appropriate minutes are filed. Also serves on the Executive Committee, Asset/Liability Committee, Electronic Data Processing Committee, and Officers' Loan Approval Committee.
DUTIES
- Supervise Senior Vice Presidents of each bank department and monitor their performance.
- Supervise the payroll function to determine that payroll is accurate, made in a timely manner, and consistent with rules and regulations.
- Serve as member of the personnel committee. Assist in updating the personnel manual, the orientation program, and in determining the scheduling of review personnel policies, etc.
- Monitor the various reports of meetings and communications. Serve to monitor requested follow up information from the (a) Board of Directors; (b) President; and (c) Executive Vice President, to insure that the items requested by the board or by various senior officers have the proper follow up and disposition.
- Supervise and coordinate marketing and advertising activities of the bank.
- Serve as a member of the Executive Committee. Assist in the establishment of the agenda and in the maintenance of proper minutes.
- Serve as secretary to the Board of Directors.
- Initiate changes in the basic organization structure to accomplish objectives developed with the President and CEO.
- Activate new procedures and initiate new policies to accomplish strategic plan objectives more effectively.
Supervise and approve the budgets prepared by the Senior Vice Presidents. Assure that funds are allotted in accordance with approved fiscal procedures.
RELATIONSHIPS
- Responsible to President and CEO for the fulfillment of functions and responsibilities.
- Advise and assist Senior Vice Presidents in their specific functions.
- Maintain extensive contact with customers, the public, and the community. Conduct relationships in a manner that will enhance overall marketing effort of the bank.
JOB DESCRIPTION: Senior Vice Presidents-Planning and Bank
Development DEPARTMENT/DIVISION: Planning and Bank Development REPORTS TO: Executive Vice President SUPERVISES: Secretary
JOB SUMMARY
Member of the top management team with direct responsibility for comprehensive strategic planning, serving the needs of selected major customers, and management of bank's real properties.
DUTIES
1. Serve as a member of the following bank wide committees:
a. Senior Loan Committee.
b. Personnel Committee.
c. Senior Management Committee.
d. Long-Range Planning Committee (chairman).
2. Head, in cooperation with CEO and Executive Vice President, the bank wide strategic planning process. Ensure that short-run and long-run plans are written, communicated, reviewed and evaluated on a quarterly basis.
3. Identify and recommend changes and new procedures to eliminate weaknesses in practices and procedures in the area of financial management.
4. Keep abreast of current trends in banking by regularly reading appropriate periodicals, preparing summary memos for the Executive Vice President and President, and by attending selected seminars and conventions.
5. Participate in and maintain the records for the bank's officer call program.
6. Recommend approved modifications in the strategic planning process.
7. Contact and maintain relationships with likely sources of community development information such as real estate developers, realtors, the Chamber of Commerce, local utilities, building contractors and architects; directly promote the bank's services where appropriate.
8. Follow up specific leads offering business development opportunities among high income citizens. Promote the bank's services, placing the prospect in contact with the appropriate bank personnel and following through to determine the results of the meeting.
9. Maintain an active role in community affairs to improve the bank's visibility in the area and offer further opportunity to acquire useful information.
10. Serve on various civic committees, as designated by the Executive Vice President, to increase bank community involvement.
11. Take responsibility for all bank activities relative to real property, including negotiations for lease of bank's mineral rights.
12. Coordinate investment services for up-scale customer with Trust and Investment Division.
13. Evaluate potential new branch sites.
14. Prepare new branch applications.
15. Take responsibility for special projects as assigned by the Executive Vice President.
ORGANIZATION
Initiate changes in the basic organization structure to accomplish objectives developed with the Executive Vice President. Activate new work procedures and systems to accomplish planning and bank development objectives more efficiently.
FINANCES
Prepare the annual budget for Planning and Bank Development, administering allotted funds in accordance with the budget and approved fiscal procedures. Recommend capital expenditures for planning and bank development.
RELATIONSHIPS
- Responsible to the Executive Vice President for the fulfillment of functions and responsibilities.
- Advise and assist division heads, department managers, officers, and staff in their respective functions associated with the areas for which he or she has direct responsibility.
- Maintain extensive contact with customers, the public and the community. Conduct relationships in a manner that will enhance the overall marketing effort of the bank.
- Participate with community organizations and in community projects.
JOB SUMMARY
Implement regulatory changes through personnel training, form changes, and follow up procedures. Assist in development of new products. Handle bankruptcy matters. Duties are performed with little or no direct supervision. Job requires a good knowledge of regulations and the ability to communicate this knowledge.
DUTIES
- Check loan documentation and computations of loan support documentation.
- Help develop new products.
- Review marketing materials.
- Disseminate information on regulatory matters.
- Establish procedures to insurance follow up and certain claims.
- Work bankruptcy claims and court hearings if needed.
- Develop and keep current the compliance manual for personnel.
Make recommendations to supervisor about possible methods to improve department.
FINANCES
Make recommendations to supervisor about the budgetary needs of the department.
RELATIONSHIPS
1. Responsible to the Executive Vice President for the fulfillment of functions and responsibilities.
2. ' Will have extensive contact with customers and the public, and is to conduct relationships in a manner that will enhance the overall marketing effort of the bank.
3. Will be called upon from time to time to participate with community organizations and in community projects.
JOB DESCRIPTION: Executive Secretary DEPARTMENT/DIVISION: Executive
REPORTS TO: President and CEO; Executive Vice President SUPERVISES: Has no supervisory responsibility
JOB SUMMARY
Perform highly skilled secretarial, clerical, and administrative duties for the President and Executive Vice President.
DUTIES
- Take and transcribe dictation for letters, memos, reports.
- Type reports, memos, and other bank documents, frequently confidential in nature.
- Write standard letters and answer routine correspondence.
- Open and sort mail.
- Make reservations of appointments for the President and Executive Vice President.
- Greet visitors and answer telephone; take messages; place calls and answer questions.
- Set up and maintain a file of important administrative matters about relationships between top management, bank employees, and the community.
- Assemble data and other information, performing computations and tabulations for special reports, charts, summaries, and related papers.
- Maintain general and confidential files.
- Receive and process incoming mail, developing any required information or supporting data as needed.
- Make airline and hotel reservations.
Make recommendations to supervisor about possible methods to improve the department.
FINANCES
Make recommendations to supervisor about the budgetary needs of the department.
RELATIONSHIPS
- Responsible to President and Executive Vice President for the fulfillment of functions and responsibilities.
- Will have extensive contact with customers and the public, conducting relationships in a manner that will enhance the overall marketing effort of the bank.
- Will be called upon from time to time to participate with community organizations and in community projects.
REPORTS TO: Audit Committee, Board of Directors SUPERVISES: Has no supervisory responsibility
JOB SUMMARY
Determine adequacy of internal controls, review compliance of bank policy and procedures, verify existence of assets, proprietary or income and expense, review reliability of accounting and reporting system, report to management, and recommend corrective actions where necessary.
DUTIES
- Establish annual audit schedule and objectives; revise and refine procedures and methods in conducting programs when necessary.
- Direct and participate in operational and documentation audits conducted to evaluate the controls established to safeguard the assets and control liabilities of the bank. Examine and audit assets, liabilities, income, expenses, and related records through application of sound auditing.
- Prepare audit reports identifying weaknesses in controls, procedures, or operations. Recommend changes to department heads including new procedures and techniques to correct weaknesses. Prepare quarterly audit report for audit committee.
- Review customer transactions where fraud is suspected. Determine if fraud has taken place, seeking criminal complaint or seeking restitution in cases of fraud.
- Investigate cases of employee defalcations, acquiring data for use by local law enforcement agencies.
- Work with legal counsel to prepare for suits against the bank.
- Comply with levies against customer accounts.
- Supervise the compliance to court subpoenas of bank records.
- Coordinate audit work with external auditors.
Make recommendations to supervisor about possible methods to improve the department.
FINANCES
Make recommendations to supervisor about the budgetary needs of the department.
RELATIONSHIPS
- Responsible to the audit committee for the fulfillment of functions and responsibilities.
- Will have extensive contact with customers and the public, conducting relationships in a manner that will enhance the overall marketing effort of the bank.
- Will be called upon from time to time to participate with community organizations and in community projects
JOB DESCRIPTION: Secretary
DEPARTMENT/DIVISION: Audit Division, Executive Department
REPORTS TO: Auditor
SUPERVISES: Has no supervisory responsibility
JOB SUMMARY
Perform general secretarial/clerical responsibilities as needed for the Auditing Division.
DUTIES
- Balance daily trust work.
- Record teller's cash differences daily.
- Prepare monthly cash limit exception report.
- Prepare monthly teller's overage and shortage report.
- Prepare monthly teller's year-to-date overage and shortage report.
- Balance travelers check statement.
- File all money listing and reports.
- File cash difference $10.00 or more reports.
- Balance and reconcile teller's cash count sheets to the general ledger.
- Type monthly reports.
- Prepare checking account confirmations.
- Prepare saving account confirmations.
- Prepare dormant saving account confirmations.
- Prepare charge-off report and confirmations.
- Prepare accountant confirmations.
- List employee overdrafts.
- Prepare list of employee opened and closed accounts.
- Stock supply cabinet.
- Record and mail returned coupon books.
- Reconcile time deposit open accounts.
- Type Examining Committee and Board of Directors reports.
- File miscellaneous files.
Make recommendations to supervisor about possible methods to improve department.
FINANCES
Make recommendations to supervisor about the budgetary needs of the department.
RELATIONSHIPS
- Responsible to the Auditor for the fulfillment of functions and responsibilities.
- Will have extensive contact with customers and the public, and is to conduct relationships in a manner that will enhance the overall marketing effort of the bank.
- Will be called upon from time to time to participate with community organizations and in community projects.
DEPARTMENT/DIVISION: Audit Division, Executive Department REPORTS TO: Auditor SUPERVISES: Audit Clerk
JOB SUMMARY
Ensure that assets are properly safeguarded and liabilities are properly recorded through review of internal controls within the department and the bank.
DUTIES
- Write and revise audit programs.
- Perform audit procedures.
- Review work of assistants.
- Write audit report.
- Assist external auditors.
- Work with bank examiners.
- Assist in budgeting and planning.
- Perform special reviews at management's request.
- Supervise audit clerk.
- Initiate changes in the basic organization structure to accomplish objectives developed with the Auditor.
- Activate new work procedures and systems to accomplish planning and bank development objectives more efficiently.
Make recommendations to supervisor about budgetary needs of department.
RELATIONSHIPS
- Responsible to the Auditor for the fulfillment of functions and responsibilities.
- Advise and assist department managers, officers, and staff in their respective functions associated with the areas for which he or she has direct responsibility.
- Will have extensive contact with customers, the public and the community, and is to conduct relationships in a manner that would enhance the overall marketing effort of the bank.
- Will be called upon from time to time to participate with community organizations and in community projects.
DEPARTMENT/DIVISION: Audit Division, Executive Department
REPORTS TO: Assistant Auditor
SUPERVISES: Has no supervisory responsibility
JOB SUMMARY
Advanced clerical work requiring prior work experience or training; Deal with moderately complex operations. Requires some specialized knowledge of auditing procedures; prepare various reports and review some departmental records. Handle complete audits of small operational areas under direct supervision. Assist Auditor and Assistant Auditor in audits of all areas of the bank. Work is performed under minimum supervision in most instances. Certain aspects of the job require some degree of independent judgment.
DUTIES
- Prepare Accountant's Confirmation Inquiries.
- Schedule customer account verifications.
- Review teller differences and prepare monthly reports.
- Review loans charged off, trace amounts to loan department records and prepare monthly reports.
- Reconcile weekly reports from Federal Reserve Bank of securities being held for bank.
- Review all Trust Department security transactions and control all pending entries.
Make recommendations to supervisor about possible methods to improve department.
FINANCES
Make recommendations to supervisor about the budgetary needs of the department.
RELATIONSHIPS
- Responsible to the Assistant Auditor for the fulfillment of functions and responsibilities.
- Will have extensive contact with customers and the public, and is to conduct relationships in a manner that will enhance the overall marketing effort of the bank.
- Will be called upon from time to time to participate with community organizations and in community projects.
DEPARTMENT/DIVISION: Audit Division, Executive Department
REPORTS TO: Audit Committee
SUPERVISES: Has no direct supervisory responsibility
JOB SUMMARY
Analyze computer systems to discover problems and then implement solutions.
DUTIES
- Study new EDP equipment and programs.
- Verify external back up for computer processing data.
- Review internal EDP bank programs.
- Recommend possible alternatives for new programs.
- Verify legitimacy and propriety of all internal bank program changes.
- Evaluate possible future EDP problems.
- Determine procedures employed by each EDP system.
- Coordinate and assemble new system designs in both software and hardware.
- Furnish audit personnel with information on same.
- Analyze individual programs comprising the systems' procedures.
- Facilitate work between user and computer systems.
- Design generalized audit software.
- Perform acceptance testing of new EDP system, i.e., before installation of system.
- Perform post-installation audits of controls in an installed application.
- Review audit work papers of other EDP audit programmers.
Make recommendations to supervisor about possible methods to improve department.
FINANCES
Make recommendations to supervisor about the budgetary needs of the department.
RELATIONSHIPS
Considerable personal and telephone contact with audit personnel, trainees, and other bank employees.
JOB DESCRIPTION: Accounts Receivable Auditor DEPARTMENT/DIVISION: Audit Division, Executive Department REPORTS TO: Audit Committee SUPERVISES: Accounts Receivable Clerk
JOB SUMMARY
Examine books of Account Receivable client companies.
DUTIES
- Visit client's premises.
- Examine, verify, and analyze collateral, books, records, management and physical facilities, balance sheet accounts, i.e., account receivables, inventory, and cash transactions.
- Interpret financial statements.
- Write examination report including significant trends, adherence to contract requirements, and unusual transactions or situations.
- Assist in determining companies' collateral value and account administration.
- Complete special audit examinations as requested.
- Assist officers in liquidation of account receivables.
- Review adequacy of verification and posting procedures involved with accounts receivable companies.
Make recommendations to supervisor about possible methods to improve department.
FINANCES
Make recommendations to supervisor about the budgetary needs of the department.
RELATIONSHIPS
Considerable personal contact with customers and bank personnel
