Commercial Banking Officer Development Program Banker Track

We're developing the next generation of leaders

Hickory Point Bank's leadership program is designed to provide a challenging, fast-paced, real world experience offering exposure to all aspects of the commercial banking business. Participants will have access to members of the Bank's executive leadership team, as well as leaders within their communities to help develop their skills and position them for successful careers in banking.

Note: This full-time program begins in May 2023

Your Career Begins Here:

Have you ever thought about running your own business? Are you curious about what separates successful companies from those that struggle? Do you want to understand how entrepreneurs generate and invest their wealth?

A commercial banker essentially runs their own business inside of the bank operating with significant autonomy and authority with access to a large, experienced team and deep financial resources. A commercial banker is a highly trusted advisor to their clients, offering sophisticated financial solutions to help business owners and executives achieve their financial goals. Commercial bankers are leaders in their communities, providing capital to businesses to fund operations, purchase equipment, hire staff, and take advantage of new growth opportunities. A successful commercial banker makes a difference in the lives of his or her customers, their families, and employees.

If you aspire to run a successful business and you enjoy working in a challenging, fast-paced environment, a career in commercial banking may be right for you. Hickory Point Bank's Commercial Banking Officer Development Program provides a comprehensive framework to effectively prepare you for your career as a commercial banker.

Basic Function:

The Commercial Development Analyst is the first position in Hickory Point Bank & Trust's (the "Bank") Commercial Banking Officer Development Program, which is a comprehensive multi-year experience where new bankers will learn and apply financial statement analysis, credit underwriting, industry research, loan administration, relationship development, project management, and leadership skills to position them for a successful and rewarding career in commercial banking.

The Commercial Development Analyst position is essentially an accelerated credit and commercial banking apprenticeship, where successful candidates will spend approximately 6-9 months learning the fundamental skills on which to build a career in commercial banking.

The Commercial Development Analyst is designed to provide entry-level candidates a predefined pathway to successfully transition into the Commercial Banking Associate ("CBA") role, which handles commercial banking relationships without designated lending authority. The CBA works closely with more experienced bankers to serve customers and to develop his or her knowledge of loan documentation and credit administration. The CBA also works with Treasury Management professionals and personnel from other divisions to acquire a comprehensive understanding of the products and services offered by the bank.

Essential Job Duties:

The Commercial Development Analyst will report to the senior commercial banker in his or her respective geographic market and will work closely with experienced colleagues in the Bank's Commercial Credit Department to develop a working knowledge of the foundational concepts of commercial banking, including cash flow, collateral, balance sheet and income statement ratio analyses. In addition to generating quality written analytical work product, the Commercial Development Analyst will participate, along with experienced commercial banking staff, in joint meetings with customers, prospective clients, attorneys, accountants, and other community "centers of influence". These meetings, along with pre-scheduled one-on-one sessions with bank leaders, are designed to provide the Commercial

Development Analyst with a broad perspective on the commercial banking industry and the requisite experience to be eligible for promotion to CBA.

The Commercial Development Analyst would be expected to conduct all duties in compliance with applicable laws, regulations, and Bank policies and procedures.

Next Steps:

After approximately 6-9 months, the Commercial Development Analyst would be expected to understand how to appropriately assess loan requests, have a comprehensive knowledge of the bank's commercial loan and related policies, and would be expected to be promoted to a CBA, where he or she would begin learning and practicing the skills of a customer-facing relationship professional under the continued mentoring and oversight of more experienced bankers. Additional duties for the CBA may include:

• Assisting with new loan requests, including taking loan applications and interfacing with the customer/applicant to facilitate a complete loan application
• Performing (with the assistance of the Credit Department, as appropriate) preliminary analyses of loan requests and recommending an appropriate response (i.e. approval, decline, counter-proposal, etc.) for bank management's consideration; discussing the credit decision with the applicant/customer
• Maintaining excellent credit quality through careful monitoring of existing loans, tracking receipt of timely financial information, and verifying compliance with financial covenants; monitoring loan grades based on customer financial performance as well as industry and other considerations
• Becoming involved in community organizations and being visible at community events
• Assisting other bankers with loan closings, loan administration, and special projects as needed

Knowledge, Skills, and Abilities:

The Commercial Development Analyst should have a bachelor's degree in finance or another business-related program, the ability to multi-task and prioritize, and a general understanding of financial statements. Additionally, in the Commercial Banking Officer Development Program, the Commercial Development Analyst should be attentive to detail and deadlines, have a strong work ethic, excellent verbal and written communication skills, and a service propensity.

Training and Experience:

Prior experience and training are not necessary for the Commercial Development Analyst; however, a bachelor's degree and background in accounting and/or finance is required.

Job Qualifications

• Successful record of academic achievement and on-campus involvement
• Excellent oral and written communication and relationship building skills
• Leadership capabilities
• Strong presentation and facilitation skills
• Demonstrated self- motivation
• Demonstrated professionalism
• Economic/industry knowledge
• Entrepreneurial spirit
• Analytical skills and critical thinking
• Ability to sell/influence and thrive in a sales environment
• Customer-focused orientation to providing services
• Minimum GPA of 3.00 required (3.50+ preferred)

Physical Demands, Working Conditions and Hours:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job, as needed and required, which may include the ability to lift 25 pounds.

While performing the duties of this job, the employee is regularly required to see, talk or hear. The employee is frequently required to sit for extended periods of time.

Must be available to work when banking center is open, including after-hour events, as scheduled. A normal work week is 40-45 hours.

Who Should Apply

• Students currently pursuing a Bachelor's degree, with a business major (economics, finance or accounting preferred) with a graduation date of May 2023.

Master's degree candidates are welcome to apply but must have one year or less of prior professional experience.

Immigration sponsorship is not available for this position. To qualify, applicants must be legally authorized to work in the United States and should not require, now or in the future, sponsorship for employment visa status.

Equal Opportunity Employer: Disability/Veteran