Commercial Loan Officer II
PLACE EXPLANATION The Commercial Loan Officer II accounts for supplying expert lending that is commercial to current and potential bank customers. 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 no less than 3 – 5 years of progressively responsible Commercial experience that is lending. Trustworthiness and sensitiveness are necessary. Experience competencies needed consist of, but are not restricted to: ? capacity to underwrite credit demands, 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 ? capability to assess and grade credit danger, financial obligation service capability and ratio analysis ? Good knowledge of economic statements including stability sheets, earnings statements and declaration of cash flows ? exemplary relationship building and social skills ? Strong client focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exemplary verbal and written interaction abilities ? exceptional proofreading abilities with a solid focus on detail ? capacity to work both individually so when a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? i . t knowledge is an advantage. ? will need to have legitimate driver’s permit and usage of an insured car
Should have a general knowledge of Bank operations and compliance that is regulatory like the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will continue to work closely aided by the Commercial Team Lead and Commercial Banking Manager to handle lending that is existing and develop new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II works closely with all the Bank’s Credit Analysts to aid in analysis of credit demands and planning of Credit Write ups.
Outside Bank Position keeps regular and close relationship that is working https://loansolution.com/installment-loans-de/ a variety of facilities of impact, community leaders and company experts.
PLACE DUTIES
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 loan that is existing to keep up a superior quality asset base and help out with collection of overdue loans
Negotiate renewals of credit facilities. Suggest approval of loan payments, construction draw requests, draws from credit lines and funds transfers with specified restrictions
Responsibility # 2 Credit and Borrower Review
Screen possible commercial borrowers by analyzing their business strategy, techniques, and projections, along with, historical monetary statements and company outcomes
Speak to existing clients and leads through different techniques to talk about business requirements and suggest ways the financial institution can offer solutions
Make use of Credit Analysts to accurately review borrower that is prospective and coordinate processing of approved loans
Test monetary loan covenants and prepare yearly term loan reviews
Ensure all loan papers are correct, recorded/perfected and signed.
Ensure all documentation that is supporting complete and signed whenever necessary.
Responsibility number 3 Start Up Business Developing / Community Outreach
participate in business development tasks and get brand brand new quality that is high and deposit company to quickly attain volume and/or manufacturing objective
Express SCB at different community functions and groups that are professional/civic further enhance the Bank’s image and presence
Responsibility # 4 Continuing Education
Update job knowledge by taking part in academic possibilities, maintaining networks that are personal taking part in expert businesses.
Sound Community Bank can be an opportunity that is equal and all sorts of qualified candidates will get consideration for work without regard to battle, color, faith, intercourse, nationwide origin, sexual orientation, gender identification, impairment status, protected veteran status, or other characteristic protected for legal reasons.
