Commercial Loan Officer II
PLACE DEFINITION The Commercial Loan Officer II is in charge of supplying expert lending that is commercial to current and potential bank customers. The Commercial Loan Officer II is anticipated to quickly attain their production that is certain and calling goals and precisely handle their assigned loan profile.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus no less than 3 – five years of progressively responsible Commercial Lending experience. Trustworthiness and sensitiveness are crucial. Experience competencies needed consist of, but are not restricted to: ? capability to underwrite credit needs, determine appropriate loan framework and current proposed loan demands for approval ? Prepare expert Credit Write- Ups for review by Commercial Team Lead, Credit management and Loan Committee for approval ? capacity to assess and grade credit danger, financial obligation solution capability and ratio analysis ? Good knowledge of monetary statements including stability sheets, earnings statements and declaration of cash flows ? exceptional relationship building and interpersonal skills ? Strong consumer focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exceptional verbal and written interaction abilities ? exemplary proofreading abilities with a stronger focus on detail ? power to work both individually so when a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? i . t knowledge is a bonus. ? will need to have legitimate driver’s license and usage of a vehicle that is insured
Should have a standard knowledge of Bank operations and regulatory conformity, such as the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will continue to work closely utilizing the Commercial Team Lead and Commercial Banking Manager to handle current financing clients and develop brand new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II will continue to work closely utilizing the Bank’s Credit Analysts to aid in analysis of credit needs and planning of Credit Write ups.
Outside Bank Position keeps regular and close relationship that is working a selection of facilities of influence, community leaders and company experts.
PLACE DUTIES
Responsibility # 1 Loan Production and Maintenance
Originate, underwrite, and solution a portfolio of commercial banking relationships and cross-sells other banking solutions whenever appropriate
Track loan that is existing to keep a superior quality asset base and help out with number of overdue loans
Negotiate renewals of credit facilities. Suggest approval online installment AZ of loan re re payments, construction draw requests, draws from personal lines of credit and funds transfers with specified limitations
Responsibility # 2 Credit and Borrower Research
Screen possible commercial borrowers by analyzing their business strategy, techniques, and projections, in addition to, historical monetary statements and company outcomes
Talk with current clients and prospects through different ways to talk about company requirements and suggest ways that the financial institution can offer solutions
Utilize Credit Analysts to accurately review potential debtor requests and coordinate processing of approved loans
Test economic loan covenants and prepare yearly term loan reviews
Ensure all loan documents are correct, recorded/perfected and signed.
Ensure all supporting paperwork is complete and signed whenever necessary.
Responsibility # 3 Home Based Business Developing / Community Outreach
take part in company development tasks and get brand new quality that is high and deposit business to accomplish volume and/or production goal
Express SCB at different community functions and groups that are professional/civic further enhance the Bank’s image and exposure
Responsibility # 4 Continuing Education
Update work knowledge by participating in academic possibilities, keeping individual sites and taking part in professional businesses.
Sound Community Bank is definitely an opportunity that is equal and all sorts of qualified candidates will get consideration for work without respect to competition, color, faith, intercourse, nationwide origin, intimate orientation, sex identity, impairment status, protected veteran status, or just about any other characteristic protected for legal reasons.
