Commercial Loan Manager

Job Function: The Commercial Lending Officer is responsible for developing new business and expanding the existing customer base by providing traditional bank credit and depository services. Additionally, they promote and sell other fee-based financial services offered by the organization.

Essential Duties and Responsibilities:

• Make calls to existing and prospective customers to retain and develop business for the organization.
• Structure and price credits in a way that creates value for the customer while adhering to the organization's underwriting standards, policies, and pricing objectives.
• Manage individual loan portfolios in terms of growth and quality.
• Maintain current knowledge and comply with regulatory and bank standards, policies, and procedures related to depository and lending activities.

Individual Credit Duties and Responsibilities:

• Prepare loan and sales proposals.
• Analyze and monitor financial information as required for loan presentation worksheets (LPWs) and narrative.
• Maintain assigned loan portfolio.
• Sell additional products and services to customers.
• Actively participate in Credit Committee meetings and make complete and accurate presentations to the loan committee.
• Follow up on specific leads offering business development opportunities among customers and prospects.
• Maintain a high asset quality.
• Define problems, collect data, establish facts, and draw conclusions.
• Be fully accountable for loan risk rating recommendations.
• Develop periodic action plans for loan customers demonstrating a weakening financial condition.
• Process new loan requests, annual and periodical credit reviews, modifications, renewals, market research, short-term asset analysis, appraisal order coordination, appraisal reviews, loan closings, commercial and construction draw approval and processing, project inspection coordination, payment collection, and accountability for loan documentation.
• Prepare summary memos for members of Executive Management as required.

Job Qualifications/ Required Skills and Abilities:

• Proven ability to underwrite complex credits and negotiate terms and conditions with sophisticated borrowers.
• Minimum of 5 or more years of experience in financial institution lending exhibiting increased level of responsibility and performance.
• Knowledge of lending compliance, policies, and procedures is essential.
• Broad understanding of other Bank products and services.
• Maintain a substantial and growing loan portfolio with regard to quantity and quality.
• Be properly licensed and meet requirements with respect to National Mortgage Licensing System and Registry (NMLS).
• Bachelor's degree in business, finance, or related field or equivalent experience.
• Superior written and verbal communication skills.
• Exhibit and maintain high degree of professionalism.
• Maintain high degree of confidentiality and integrity.
• Ability to communicate effectively and professionally at all levels of the organization.
• Excellent follow-through and time management skills.
• Excellent attention to detail.
• Strong PC, web, database/Excel knowledge as required.
• MUST exhibit good business acumen.
• MUST possess a can-do customer-service attitude/philosophy.

Community Leadership:

Represents the bank and provides leadership in key community activities that may include business, charitable, civic, and other social organizations to maintain a proper responsible citizen stature for the bank.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities