Senior Commercial Loan Officer

Essential Duties and Responsibilities   

• Develops new business customer relationships for loan, deposit and other business banking services.
• Develops internal and external referral sources through centers of influence, participation in bank events and community activities. Always promotes favorable image of the bank in all business activities within the community.   
• Develops and maintain relationships with branch managers and related staff to facilitate a team environment and successful delivery and cross referrals of products and services.
• Actively manages customer account relations.
• Manages customer portfolios to maintain appropriate loan documentation and credit quality to retain desirable customer relationships.
• Manages large or complex commercial loans. Counsels loan customers on appropriate financing options and strategy when needed.
• Participates in new loan development programs, implementing changes and additions for improvements.
• Maintains and enhances information based on local, regional and national economics, as well as other concerns that would impact the bank’s lending activities.
• Evaluates potential customer loan requests and approves or denies loans within lending limits or makes recommendations to management.
• Negotiates credit terms such as costs, repayment methods and collateral specifications.
• Provides input in maintaining interest rate structure to be consistent with the banks policies and procedures and to be competitive with current market rates.
• Reviews new laws and regulations that influence business lending within the bank; makes recommendations to management when necessary.
• Performs assigned business development activities, such as to identify and call on new prospects; assist potential customers in answering questions, handling details necessary to establish new accounts, loan file documentation and other paperwork necessary to complete customer account files.
• Assesses the workflow process within the Commerical Lending Department and identifies/makes recommendations for improvement.
• Provides assistance and recommends training for new business banking officers.
• Performs all job duties to ensure compliance with all applicable acts, laws and regulations, and to ensure staff has the training and resources to perform duties to maintain compliance with such acts, laws and regulations.

Non-Essential Duties and Responsibilities

• Assists in other duties as an officer of the bank as required.
• Actively refers all consumer and mortgage products to the appropriate personnel.
• Establishes relationships with government agencies and other banks and agencies with whom we might participate.
• Maintains and expands the knowledge base of commercial account activities by competitors in the market area by site visits, literature reviews and networking, and reports on these activities to management as necessary.

Supervisory Responsibilities

Carry out supervisory responsibilities is accordance with Bank policies and applicable laws.  Responsibilities include interviewing, selection of staff and training employees; planning, assigning and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.  Provides assistance to and recommends training for new Commercial Loan Officers.

Qualifications Required

(Required education may be satisfied by experience and/or working knowledge)

A Bachelor’s degree in Business, Accounting or Finance, five years' experience in commercial lending, and an intermediate level experience in Word and Excel is required.

Physical Requirements and Working Conditions

Sitting for extended periods of time, requires close visual acuity and the ability to work and operate computer applications and equipment including copy machine, telephone, scanner or other basic business equipment.  Some infrequent travel is required for branch/department visitations.  A Valid driver’s license is required.  The job is within the normal office environment range.

Qualifications Preferred

Ten years' experience as a Commercial/Business Banking officer.