Commercial Banking Officer IV

TowneBank has a culture that:

• Has a commitment to exquisite service for our members that will lead to our ability to create a reasonable rate of return for our shareholders, a bright future for our dedicated bankers, and a leadership role for our bank in promoting the social, cultural, and economic well-being of our community.
• Embraces our hometown banking philosophy, where our family members, directors and employees are active volunteers, serving on numerous boards and donating their time and talents to local organizations.

As the Commercial Banking Officer, you may look forward to:

• Developing new business for the bank by calling on prospective commercial members.
• Retaining existing members through follow up and by providing excellent service.
• Interviewing applicants to develop information concerning their businesses, needs, desires, abilities and earnings to determine whether a loan may be an acceptable risk.
• Obtaining and analyzing financial data and providing service on approved lines of credit, equipment financing loans, etc.
• Drafting necessary documents and agreements.
• Conducting credit checks.
• Making decisions on loans and terms if within the lending limits or making recommendations to a superior lending officer.
• Following current loans to ensure complete conformity with terms and knowledge of developing trends.
• Calling on potential or existing member and introducing them to other departments when another service is needed.
• Supervising and giving direction to staff (if applicable).
• Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA) 

You are a person that (required skills):

• Has previous lending experience or experience in loan operations or credit analysis.
• Has extensive knowledge or documentation and regulations.
• Has proven business development skills
• Has excellent communication skills and the ability to interact professionally.
• Has strong connections to and relationships with referral sources/center of influence in the market.

  You’ll be better prepared if you have (desired skills):

• A Bachelor’s degree in Business, Accounting or Finance.
• Previous management or supervisory experience.
• Proficient skills in Microsoft Word, Excel and Outlook.
• Local market experience.

 Physically you can anticipate to:

• Express or exchange ideas by means of the spoken word via email and verbally.
• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time.
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation.
• Not substantially exposed to adverse environmental conditions.