Commercial Lender

Position Purpose:

This multi-incumbent position is responsible to originate, manage, and oversee the incumbents' portfolio of commercial loans with overall objective of maintaining and increasing portfolio asset quality; to develop new and existing business relationships.

Description of Duties, Responsibilities and Expectations:

• Takes applications primarily for commercial loan business. Reviews customer financial condition by obtaining credit report and other necessary documents and assesses the customer's ability to re-pay the loan. Makes underwriting recommendations to senior lender. Completes or directs completion of all loan documents and closes loans.

• Participates in developing lending and deposit business for the Bank. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the Bank's client base.

• Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.

• Collects the standard Bank fees for portfolio loans and on loans sold.

• Assists in collection of past due loans.

• Assists customers with any loan-related questions and concerns.

• To demonstrate proficiency in independently dealing with/managing routine, noncomplex credits and loan structure and intermediate complexity of loan credit and structure with assistance and support from senior loan officer.
  

• To produce assigned loan volume as set annually by your supervisor.

• To ensure and maintain asset quality of loan portfolio.
  

• To maintain an appropriate delinquency rate of loan portfolio as set by your supervisor/Bank policy.
  

• To collect the Bank's standard fee income on portfolio loans and the standard fee on loans sold.
  

• To maintain an acceptable charge-off rate as set by your supervisor/Bank policy.
  

• To maintain a professional, courteous, and friendly atmosphere for customers and co-workers.

Qualifications, Knowledge and Skills:

• One to three years of commercial lending experience and/or credit analysis experience.
• Associate's Degree or equivalent in business Administration, Finance, or post high school education in banking.
• The ability to motivate or influence others is a material part of the job, requiring a significant level of diplomacy and trust. Obtaining cooperation (internally and/or externally) is an important part of the job.
• Base knowledge in analyzing business financial statements and assessing the viability of businesses;
• Good written and verbal communication and PR skills;
• Good computer skills with ability to learn and proficiently use related software programs;
• Ability to handle multiple projects with varied deadlines;
• Attention to detail/analytical skills;
• Willingness to be involved in civic and/or professional associations.

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