Commercial Loan Officer II
PLACE DEFINITION The Commercial Loan Officer II is in charge of supplying expert commercial financing solutions to current and potential bank consumers. The Commercial Loan Officer II is anticipated to attain their production that is certain and calling objectives and correctly handle their assigned loan profile.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus at the least 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 needs 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 balance sheets, income statements and declaration of cash flows ? Excellent relationship building and social skills ? Strong consumer focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exceptional verbal and written interaction abilities ? exceptional proofreading abilities with a stronger awareness of detail ? capability to work both separately so that as a team player ? Practice flawless ethical behavior and understands the necessity for privacy ? i . t knowledge is a bonus. ? should have legitimate driver’s license and use of an insured automobile
Need a standard knowledge of Bank operations and regulatory conformity, like the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II works closely using the Commercial Team Lead and Commercial Banking Manager to control current financing customers and develop new customer relationships to attract future financing opportunities for the bank. The Commercial Loan Officer II will continue to work closely because of the Bank’s Credit Analysts to help in analysis of credit demands and planning of Credit Write ups.
Outside Bank Position keeps regular and close relationship that is working a variety of facilities of impact, community leaders and company experts.
Responsibility # 1 Loan Production and Upkeep
Originate, underwrite, and solution a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate
Track current loan portfolios to keep up a superior quality asset base and help out with number of delinquent loans
Negotiate renewals of credit facilities. Suggest approval of loan re re re payments, construction draw requests, draws from credit lines and funds transfers with specified limitations
Responsibility # 2 Credit and Borrower Research
Screen prospective borrowers that are commercial analyzing their business strategy, methods, and projections, in addition to, historical monetary statements and business outcomes
Speak to existing customers and leads through different techniques to talk about company requirements and suggest ways that the lender can provide solutions
Make use of Credit Analysts to accurately review prospective debtor requests and coordinate processing of approved loans
Test loan that is financial and prepare yearly term loan reviews
Ensure all loan papers are correct, recorded/perfected and signed.
Ensure all supporting documents is complete and signed whenever necessary.
Responsibility #3 Start Up Business Developing / Community Outreach
participate in company development activities and get brand brand brand new quality that is high and deposit company to accomplish volume and/or manufacturing objective
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 playing academic possibilities, keeping networks that are personal taking part in expert businesses.
Sound Community Bank is an opportunity that is equal and all sorts of qualified candidates will get consideration for work without respect to competition, color, religion, intercourse, nationwide origin, intimate orientation, sex identification, impairment status, protected veteran status, or just about any other characteristic protected for legal reasons.