Commercial Loan Officer

Capitol National Bank located in Lansing, Michigan is currently filling the position of Commercial Loan Officer. The ideal candidate will manage large and/or complex loan accounts ensuring adherence to Bank Credit Policy and ongoing profitability for the Bank. This position solicits and develops all types of business activity, specializing in larger loan relationships.

• Develops new business relationships and commercial lending opportunities for the Bank.
• Identifies and meets with prospective customers, business professionals, and business consultants to generate leads.
• Interviews loan applicants, collects and analyzes information which reflects the current credit worthiness of customers and the current merits of existing loans. Information may be obtained in a variety of methods, including inspection of the applicant’s business and/or collateral, review of financial reports, and personal interviews.
• Obtains and reviews financial information to have loan renewals prepared, approved and closed with customer in a timely manner.
• Ensures financial reporting compliance with banking policies and regulatory agencies.
• Monitors loan/deposit performance for potential signs of financial deterioration.
• Manages risk related loans to have renewals completed, payments made on time, and ensure memos and financial information is in the loan file for review and completion.
• Monitors loan repayment activities and contacts customers regarding late payments and insurance delinquencies
• Strong interpersonal skills to communicate effectively throughout the Bank and represent the Bank positively to the public and acquire working relationships with current and potential loan accounts.
• Strong analytical skills to assess and evaluate areas of responsibility including determination of loan risk involved and recommendation of credit limitations.
• Thorough understanding of financial data such as cash flow, balance sheet and collateral dynamics of customers’ properties and geographic area.
• Ability to persuade and negotiate with others through the development and delivery of presentations.
• Participates in community activities to expand network and Bank’s brand with the intent of creating additional referrals.

Qualifications/Skills:

• This position requires knowledge equivalent to that which normally would be acquired through a Bachelor’s degree (B.A.) from a four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.
• This position requires a minimum of three to five years of related experience in lending.
• Strong interpersonal skills to communicate effectively throughout the Bank and represent the Bank positively to the public and acquire working relationships with current and potential loan accounts.
• Strong analytical skills to assess and evaluate areas of responsibility including determination of loan risk involved and recommendation of credit limitations.
• Thorough understanding of financial data such as cash flow, balance sheet and collateral dynamics of customers’ properties and geographic area.
• Excellent customer service skills required.
• Strong written and verbal communication skills.
• Ability to fit into a fast-moving, and energetic work environment. 

*Pay negotiable depending on experience

Capitol National Bank is an EEO/AA employer, M/F/D/V. This company maintains a drug-free workplace and conducts pre-employment substance abuse testing.