Commercial Loan Officer

Job Summary:

This position coordinates with the EVP Chief Lending Officer – Business Banking in implementing and carrying out bank policy and procedures with respect to the Business Banking operations of the bank. Develops, manages services and evaluates commercial loan services that are within established lending policy guidelines while providing profitability to the bank at minimum risk.

This job description describes the scope of responsibility and essential functions of this position but should not be considered an all-inclusive listing of work requirements. Individuals may perform other duties as assigned. This job description does not create an employment contract, implied or otherwise, as

All positions at Embassy Bank require a high level of commitment to exceptional customer service and customer relationship development for existing and future customers. In addition, employees must possess the level of product knowledge necessary to effectively promote the Bank’s products and services by identifying cross-selling opportunities, educating customers regarding the benefits of the Bank’s products and services, and effectively promoting them.

Responsibilities:

• Interview loan applicants and analyze financial data to determine the creditworthiness of prospective borrowers.
• Establish and negotiate terms under which credit will be extended, including rates, loan structure, and collateral requirements based on borrower’s financial status.
• Approve loans up to individual lending authority and serve as contact officer on loans above this limit.
• Collect and analyze information which reflects the financial condition of existing loans through direct inspection, review of interim financial reports, personal interview, and various other methods.
• Monitor loan repayment activities and take necessary action to collect on past-due accounts.
• Develop new business by contacting prospective customers and cross-selling bank services.
• Also make loan presentations to the committee when required.
• Participate in various community affairs to increase the bank's visibility and to create new business opportunities.
• Undertake special projects relating to departmental services as assigned by the senior lender.
• Adhere to internal procedures, documentation, requests, in addition to maintaining confidentiality of customer and banking records.
• Other duties as assigned

Requirements and Skills:

• Tech-savvy, comfortable with modern office productivity tools.
• Pleasant and patient communicator.
• Strong organizational skills.
• Attention to detail and quality.
• Proficient with Microsoft Office
• Self-motivated with a career drive.
• Positive, pro-active problem-solving attitude.
• Availability to use personal vehicle.

Education and Experience:

• Bachelor’s degree in business, accounting, finance, or related experience.
• A technical level of knowledge normally acquired through completion of an undergrad program in business administration, finance, or related area; or four to six years of progressively increasing responsible commercial lending experience.
• Knowledge and experience of operating a computer, calculator, and other general office equipment.
• Excellent social and communication skills:
• Use professional and clear verbal communication skills.
• High quality writing skills, using accurate word usage, grammar, spelling, and punctuation in all written correspondence.
• Ability to add, subtract, multiply, and divide, using whole numbers, and decimals. Ability to compute rate, ratio, and percent.
• Use professional phone etiquette, including tone and volume of voice.

Physical Requirements:

• Ability to lift and carry up to 50 lbs.
• Long periods of sitting.
• Periods of standing, crouching and/or kneeling.

Work location and hours:

• You will be working at one of our 10 office locations and occasionally traveling to our other branches in the valley.
• Must, occasionally, be available during non-banking hours.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) 4% Match
• 401(k) matching
• Dental insurance
• Employee assistance program
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Compensation Package:

• Employee stock ownership plan
• Profit sharing

Schedule:

• 8 hour shift
• Day shift
• Monday to Friday
• Weekends as needed

Ability to Commute:

• Bethlehem, PA 18017 (Required)

Ability to Relocate:

• Bethlehem, PA 18017: Relocate before starting work (Required)

Work Location: In person