Commercial Loan Officer

Summary

The Commercial Loan Officer is responsible for developing new business, underwriting, structuring and closing of commercial loans, as well as maintaining and servicing a commercial loan portfolio. This position will represent the bank in its market area through active participation in community affairs.

Primary Responsibilities

• Interview applicants to determine loan requirements and gathers pertinent information for loan applications.
• Conduct initial analysis of applicant's financial status, credit, and asset evaluation to determine feasibility of granting loan. Work with Credit Analyst Department to prepare financial analysis and credit display.
• Ability to listen and ask questions of applicants to understand the applicant's business and determine proper loan structure.
• Structure loans within loan policy. Approves loan within specified limits or champions loan opportunities to the credit department and/or Committee for proper approval.
• Prepare financing proposals consistent with approval for presentation to the applicant.
• Review loan documentation prior to closing for completeness and acceptance by the applicant.
• Ensure timely loan closing and funding activities.
• Maintain a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations.
• Actively participate in community and professional organizations and events.
• Manage loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring.
• Uses experience and sound judgment to plan and accomplish goals.

Education & Experience

• Minimum of 3 years’ experience in Commercial Lending, with a preference for existing experience within service area. Credit training/experience required.
• Bachelor’s Degree in Business or related area.
• Ability to present, sell and service bank products as well as demonstrate professional knowledge of commercial lending.
• Ability to generate $4-$6 million in new loan growth annually.
• Applicant should be able to exercise good judgment in establishing and maintaining working relationships, solve problems, and be able to deliver a high level of accuracy, focus and timeliness with limited supervision.
• Strong written and verbal communication skills are required along with a proficiency in Microsoft Office Suite of Programs/Products.
• Must have the ability to read, analyze, and interpret policies, contracts, credit and financial documents as well as other legal documents as needed.
• Strong analytical and mathematical capabilities as well as an understanding of credit underwriting and loan documentation.