What are the responsibilities and job description for the Commercial Loan Officer position at Southern Michigan Bank & Trust?

Job Description

Organizational Expectations Of Employee

Adhere to organizational policies and procedures; act as a leader within and outside the organization; perform duties as workload necessitates; maintain a positive and respectful attitude; communicate regularly with supervisor about department issues; demonstrate flexible and efficient time management and an ability to prioritize workload; consistently report to work on time prepared to perform duties of position; meet or exceed department productivity standards; maintain confidentiality in reference to the Bank and its business, as well as the affairs of bank customers; attend and participate in staff, department, and other meetings, as required.

Position Summary

This position has responsibility for building long term relationships with commercial loan customers, business development, and other community activities. Responsible for commercial loan portfolio by meeting established lending requirements. All other duties and responsibilities as assigned.

Direct Supervision Exercised Over

None.

Essential Duties and Responsibilities

Make and service commercial loans
Follows current loans and maintains customer relationships
Presents loan requests to loan committee and Board
Actively solicits new business prospects; make sales and / or new business calls
Interview applicants to develop information regarding their business, lending needs, earnings and credit-worthiness
Approves / rejects loans within lending authority
Operates with moderate lending authority and independence
Maintains communication with the professional community to identify new business prospects
Participates in professional and civic organization activities to promote a high profile for the bank in community and business prospects

Physical demands and Work Environment

The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Physical Demands

Regularly sit for long periods of time, walk, bend over, stoop, and kneel.

Regularly use hands and fingers to handle objects, operate equipment such as 10-key pad, calculator, copier, PC keyboard and mouse.

Occasionally use hands and arms to reach, lift, move, carry, pull, and push files / objects up to 20 pounds while sitting, standing, climbing or walking.

Regularly use eyesight for close vision, distance vision, color vision, depth perception, and the ability to focus.

Regularly use the sense of hearing.

Regularly speak clearly using the English language.

Work Environment

Standard office environment.

Exposed to temperature conditions common at the time.

Noise level is usually moderate / conversational.

Qualifications and Experience Requirements

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and / or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Bachelor's degree (B.A.)

Five or more years of commercial loan and credit analyst experience.

Thorough knowledge of the banking industry.

Excellent verbal and written communication skills, including the ability to effectively compose original correspondence and verbally exchange information with customers and vendors.

Ability to interpret the needs of customers and effectively resolve any problems to ensure complete satisfaction.

Strong analytical and accounting skills. Ability to work with mathematical concepts such as probability and statistical inference and apply concepts such as fractions percentages, ratios, and proportions to practical situations.

Ability to apply common sense understanding to carry out verbal and written instructions and deal with standardized and unique situations.

Professional demeanor and interaction with all customers (internal and external) and a proactive team attitude.

Excellent customer service skills.

Proficient computer skills (i.e., Microsoft Word, Excel, Outlook, any other software, etc.).

This job description describes the scope of the responsibility and essential functions of this position, but should not be considered to be an all-inclusive listing of work requirements. Individuals may perform other duties as assigned including work in other areas to cover absences or relief to equalize peak work periods or otherwise balance the workload.

This job description does not create an employment contract, implied or otherwise, other than an "at-will" working relationship.

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