VP, Commercial Loan Officer

Summary of Duties

Assume responsibility for developing new loan and deposit customers while servicing existing loan customers in assigned portfolio. Must have the ability to establish and promote business development efforts throughout the bank’s market which lead to relationship and lending opportunities. This position requires a high level of organizational skill and attention to detail. Ability to communicate effectively with both customers and bank staff, both verbally and in writing. Ability to understand, analyze and structure various types of commercial loan requests. Must be able to identify priorities and deadlines and determine work schedule to meet those deadlines. Must demonstrate sales and business development skills. Must maintain a high level of confidentiality. Must possess PC skills at an intermediate level. Ability to learn compliance and legal issues as they apply to business loans. Ability to make decisions within set parameters.

Essential Duties and Responsibilities

Included but are not limited to:

• Develops and manages a customer portfolio that includes commercial loans, consumer loans and deposit products.
• Attends loan committee meetings as required, with the ability to provide structural feedback to the committee.
• Processes loan maturities and renewals.
• Collects all necessary documents to submit to the Credit Department for analysis.
• Assists the Credit Department with loan information for loan committee presentations.
• Represents the Bank at various networking functions to further the Bank’s reputation and reach in the community.
• Performs job functions in compliance with all company policies, federal and state rules and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC, and GLBA/privacy rules.
• Other responsibilities will include assisting in the overall management of the branch as well as supporting other needs that may arise in the course of running a bank.
• Close loan with borrower(s)
• Conduct collection activity on delinquent loan accounts – including phone calls, written correspondence, and face-to-face contact with borrower and property inspections.

Other Functions

• Familiar with and abides by all bank regulations including but not limited to BSA and OFAC.
• Adhere and comply with all Bank Policies.
• Other duties as assigned.

Job Qualifications & Requirements

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Education/Certification/Licensing:

• Bachelor’s degree in finance, business, economics or a related field of study.

Experience:

• Minimum requirement of 3 years’ experience in commercial lending or related experience preferred.

Other Requirements:

• A high level of organizational skills
• Strong organizational skills
• Excellent written, verbal, interpersonal, and problem-solving skills; ability to communicate effectively and project a professional image.

Equipment Used

• PC, laser printer, calculator, copy machine, scanner, fax, mobile devices such as iPad and iPhone or similar.

Software Used

• Word, Excel, PowerPoint, Publisher, Outlook, Harland Laser Pro, Bankway, Adobe Reader, Horizon XE, FIS Image Centre, BAI Learning & Development and various other financial institution platform systems.

Physical Demands

While performing the duties of this job, the employee is frequently required to work in front of a computer for extended periods of hours; use hands to finger, handle, or feel and talk or hear. Must be able to travel from location to location throughout the office and to other bank offices, clients, and outside meetings. The employee is occasionally required to reach with hands and arms; stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, color vision, depth perception and ability to adjust focus.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. In-person work is required however telework exceptions may be applicable. Regular and prompt attendance is required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job operates in a professional office setting with low to moderate noise level work environment; and, at times in various other environments of the clients they meet with.

Equal Employment Opportunity & ADA Compliance:

Commercial Bank provides equal employment opportunity to all individuals regardless of their race, color, creed, religion, gender, age, sexual orientation, national origin, disability, veteran status, or any other characteristic protected by state, federal, or local law. Equal employment opportunity applies to all terms and conditions of employment including hiring, placement, promotion, termination, layoff, recall, transfer, leave of absence, compensation, and training. To ensure equal employment opportunities to qualified individuals with a disability, Commercial Bank will make reasonable accommodations for the known disability of an otherwise qualified individual, unless undue hardship on the operation of the organization would result. We support and promote equal employment opportunity, human dignity, and racial, ethnic, and cultural diversity by taking positive steps to eliminate barriers that may exist in hiring and in employment practices. Discrimination of any type will not be tolerated.