**Essential Duties and Responsibilities** + Develop and execute business strategies for tax-exempt banking, targeting state and local governments, municipalities, educational institutions and nonprofit organizations. + Cultivate and manage relationships with key clients, acting as a trusted advisor. + Obtains, interprets and evaluates financial information to determine credit worthiness. + Understands and can negotiate complex loan structures and guaranty agreements, price loans and obtain necessary credit approvals. + Handles difficult negotiations and credit assessments on an independent basis. + Contacts customers and prospects to market bank deposit products. + Monitors existing loans to ensure compliance with terms and takes corrective action on variances. + Develops and maintains a balanced and sound loan portfolio in conformance with established policies, strategies and procedures. + Creates a pipeline of business of secure, profitable loans and deposits. + Provides guidance and direction to less experienced lenders in analyzing financial data and evaluating credit worthiness. + Interprets, applies and recommends changes to credit policies and procedures. + Advises senior management on complex tax-exempt lending issues. + Performs other duties and responsibilities as assigned. **Knowledge of** + Advanced structures, concepts, practices and procedures of tax-exempt lending. + Deep knowledge of tax-exempt entities to include understanding of the financial structures, funding sources, and regulatory environment of state and local governments, municipalities, school districts and nonprofit organizations. + Established organizational policies, strategies and procedures for tax-exempt lending. + Principles of banking and finance. + Financial markets and products. **Skill in** + Analyzing financial information and determining credit worthiness. + Interpreting and applying credit policies and procedures. + Developing credit policies + Marketing bank deposit products. + Negotiating tax-exempt loan terms. + Maintaining a customer and prospect database. + Developing and maintaining a loan portfolio. + Structuring and pricing tax-exempt loans. + Verifying customer compliance with terms + Operating standard office equipment and using required software applications. **Ability to** + Provide guidance and direction to less experienced lenders. + Provide advice and counsel on complex lending issues. + Attend to detail while maintaining a big picture orientation. + Gather information, identify linkages and trends and apply findings to assignments. + Interpret and apply policies and identify and recommend changes as appropriate. + Prioritize and manage multiple priorities in a fast-paced, dynamically changing environment. + Communicate effectively, both orally and in writing. + Work independently as well as collaboratively within a team environment. + Lead others in providing a high level of customer service + Establish and maintain effective working relationships with external customers. + Maintains currency in tax-exempt lending policies, practices and procedures.