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Commercial Lender

POSITION SUMMARY: The Commercial Loan Officer maintains sound knowledge of commercial loan policy and procedures, commercial loans and deposit accounts, cash management, letters of credit, and other bank products and services. This professional calls on potential or existing borrowers to develop new business and/or retain existing business.

ESSENTIAL FUNCTIONS:

  • Maintains sound knowledge of commercial loan policy and procedures, commercial deposit accounts, cash management, letters of credit, and other bank products and services.
  • Contacts potential or existing borrowers to develop new business and/or increase or retain existing business. Interview applicants to develop information concerning their business needs, prospects, abilities and earnings.
  • Completes process of analyzing, structuring, pricing and negotiating credit requests.
  • Review and recommend objectives and procedures to ensure conformity with the bank’s policies as they relate to commercial lending activities.
  • Maintain a customer/prospect call listing and document ongoing calling activity.
  • Service and monitor existing commercial account relationships. Ensure compliance, proper loan rating, timely past due management and problem loan detection.
  • Identify industry resources and conducts industry comparisons as it relates to a particular business to provide additional risk assessment.
  • Identify problems in credit trends and recommend enhancements to loan terms, conditions and controls.
  • Represent the bank in the community through active participation in community affairs and professional organizations.
  • Regular and reliable attendance is an essential function of this position.
  • Perform other job related duties or special projects as assigned.

PREFERRED TALENTS:

  • Analytical and detailed
  • Effective communicator
  • Organized
  • Self- directed and takes initiative
  • Deadline driven

QUALIFICATIONS:

  • Prior Commercial Lending Experience required.
  • Bachelor’s Degree in Business Administration, Finance or related field preferred.  
  • Proven loan sales experience with an established portfolio preferred.
  • Proficient in Microsoft Word, Excel and in working with other financial software.
  • Valid driver’s license.
  • PLEASE VIEW THE APPLICANT TERMS & CONDITIONS BEFORE PROCEEDING WITH YOUR APPLICATION.



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