Loan Officer / Business Officer

Job Title: Loan Officer / Business Manager

Department: Commercial Banking Department (“CBD”)

Classification: Exempt

Reports to: SVP & Head of Commercial Banking

Summary/Objective:

To develop new businesses, maintain a sound loan portfolio and assist the department head in various operations of the department.

Essential Functions:

1. Establishes and maintains customer relationships and provide good services.
2. Achieves business goals and budgets as assigned.
3. Stays abreast of the market trends and changes and make constructive suggestions.
4. Collects business and credit information and references.
5. Evaluates and underwrite credit proposals and presents to Loan Committee.
6. Coordinates with attorneys and customers to arrange loan closings.
7. Monitors and ensures collection and maintenance of proper documentation.
8. Participates and attend various social and community functions and in special projects as required.
9. Follows compliance of the Bank’s policies, procedures and regulations.
10. Performs additional duties as directed.

Competencies:

In order to perform the job successfully, an individual should demonstrate the following competencies:

1. Analytical - Collects and researches data; Uses intuition and experience to complement data.
2. Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Uses reason even when dealing with emotional topics.
3. Interpersonal Skills - Maintains confidentiality
4. Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills.
5. Written Communication - Writes clearly and informatively; Able to read and interpret written information.
6. Teamwork - Gives and welcomes feedback; Contributes to building a positive team spirit; Able to build morale and group commitments to goals and objectives.
7. Leadership - Exhibits confidence in self and others; Inspires and motivates others to perform well; Accepts feedback from others; Gives appropriate recognition to others.
8. Managing People - Takes responsibility for subordinates' activities; Makes self available to staff; Develops subordinates' skills and encourages growth.
9. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Supports affirmative action and respects diversity.
10. Strategic Thinking - Develops strategies to achieve organizational goals; Analyzes market and competition

Physical Demands: This is largely a sedentary role, requiring use of typical office equipment such as a computer, laptop and cell phone. Most work is completed in an office environment. Walking around the office and talking to employees and supervisors is required.

Travel Requirements: Occasionally, as required

Required Education and Experience: Bachelor's degree (B. A. or B. S.) from four-year college or university. Three to five years of related experience and/or training. Equivalent combination of education and experience.