MB Financial Bank AVP, Commercial Banking (PM)- Contractor Lending Group - 1199 E. Higgins Rd in Schaumburg, Illinois

Job Description:

Reference: LE16493

SUMMARYResponsible for all aspects of portfolio management as it relates to assigned portfolio of clients including identifying cross sell opportunities for additional bank products and services, and to assist RMs ensuring clients are being serviced at appropriate levels. Responsible for the analysis and underwriting of new and existing facilities in the portfolio.

*ESSENTIALDUTIES AND RESPONSIBILITIES*These are the most significant job duties performed. The size, scope and complexity of assigned duties and responsibilities are dependent on the level and experience of the incumbent. To perform this job successfully, an individual must be able to perform each assigned essential duty satisfactorily. Other responsibilities or special projects not specifically mentioned may also be assigned.

Portfolio Management/New Business

  • Maintain a limited number of prospects based on referrals from existing portfolio.
  • Manages a portfolio of clients of increased complexity with greater independence from originating RM, if applicable.
  • Responsible for research, preparation and execution of client calls.
  • Solicits existing portfolio clients and related “Centers of Influence” (COI) to grow loan and deposit volumes and cross sell other Bank products and services. Utilizes client relations to identify current and future client needs for additional credit, Treasury Management, or other ancillary products.
  • Production goals are tied primarily (90% +/-) to assigned portfolio with the expectation that some time (10% +/-) is spent on business development.
  • Independently provides client support and ensures clients are serviced at appropriate levels.
  • Conducts transaction negotiations for renewals, modifications, and new facilities for clients in their portfolio.

Structure Credit

  • Recommends appropriate loan structure for new and existing relationships. Promotes and monitors client relationship and growth.
  • Performs credit analysis and underwriting of existing loans in in connection with renewals and modifications. Includes but not limited to analysis of Borrower, Guarantor, financial statements, collateral, debt service, and overall risk assessment.
  • Coordinates collection and review of financial statements, tax returns, rent rolls, PFS, loan document exceptions and other documents as required by annual reporting requirements.
  • Reviews receipt of reporting requirements by clients to assess covenant compliance, borrowing base availability and overall credit performance.
  • Independently closes new transactions.
  • Independently manages past due and maturing loans for assigned portfolio and supports RMs as needed.
  • Ensures accurate risk ratings and identifies emerging credit issues within assigned portfolio.
  • Engages Field Credit officers for consultation on deteriorating credit


  • Understands and complies with all Bank policies and procedures, and federal and state laws and regulations pertinent to this position; stays informed and shares updates on changes with management. Required to successfully complete all required Compliance training.
  • Continuously supports the Bank’s Mission Statement and Core Values. Supervisory Responsibilities This position has no direct or indirect supervisory responsibilities. QUALIFICATIONSThe requirements listed below are representative of the knowledge, skill, and/or ability required to perform this job successfully. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.__

Education and Work Experience Bachelor's degree in Business such as Finance or Accounting or related field and 4+ years of related experience; or equivalent combination of education and experience. Experience in credit underwriting is required.

Local travel between assigned work locations, branches and client locations required as frequently as daily. Reliable transportation is required.

Certificates and Licenses


Job –Specific Knowledge

  • Credit - Knowledge of one or more of the following: commercial and consumer credit regulations, policies, and procedures; loan analysis, restructuring, and documentation; collection techniques; structure financing analysis.
  • Finance & Accounting - Intermediate knowledge of accounting principles, financial analysis, and reporting of financial data.
  • Loan Documentation – Ability to read, interpret and negotiate commercial loan documents and a solid understanding of loan/ banking terms
  • Sales – Very good selling and negotiating skills with effective utilization of persuasiveness and marketing techniques. Demonstrates knowledge in the following skills: client interviewing, sales, cross selling, consultative sales, proposals preparation, and presentation. Competencies To perform the job successfully, an individual should demonstrate the following competencies.

  • Strong Fluency in Windows applications and Microsoft Office programs such as Word, Excel and PowerPoint. Demonstrates ability to create moderate to complex formulas in MS Excel.

  • Thorough knowledge of software applications applicable to position/business unit.
  • Quickly learns and achieves proficiency in new software applications as needed.
  • Identifies and resolves problems.
  • Demonstrates attention to detail
  • Demonstrates strong math aptitude.
  • Identifies opportunities to increase accuracy and optimize resources and develops / recommends solutions.
  • Writes clearly and informatively. Edits work for spelling and grammar.
  • Utilizes variety of interpersonal styles and communication methods to effectively adapt to new work structures, processes, or cultures.
  • Demonstrates group presentation skills and excellent negotiation skills to deal effectively with individuals and groups within and outside the organization.
  • Demonstrates follow-up skills.
  • Provides timely and professional support to all internal/external customers and vendors.
  • Prioritizes regular workload, special tasks and concurrent projects, allocating time and resources to ensure that work is completed accurately and efficiently within established time frame.
  • Self-motivated. Works with minimal supervision.
  • Team-oriented. Consults with team members and management as needed to complete assigned responsibilities.
  • Establishes and maintains effective, collaborative work relationships both internally and externally. PHYSICAL DEMANDS & WORK ENVIRONMENTThe physical demands and work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to use hands to finger, handle, or feel; and to talk or hear.

The employee is frequently required to sit in a cubicle work space with moderate noise level during normal business hours with occasional extended hours as needed. May spend significant amount of time on phone for customer contact and conference call meetings.

Job is always fast-paced and deadline sensitive. Stress levels may increase due to seasonality and/or special projects and/or during peak times.

Local travel between assigned work locations, branches and client locations required as frequently as daily. Reliable transportation is required.

**MB Financial is an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state or local protected class.

As a part of the MB Financial hiring process all applicants will be required to submit to and pass a pre-employment urine drug screening. **20171205