Commercial Loan Officer II
PLACE EXPLANATION The Commercial Loan Officer II accounts for supplying expert commercial financing solutions to current and potential bank customers. The Commercial Loan Officer II is anticipated to reach their certain production and client calling objectives and precisely handle their assigned loan portfolio.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus at the least 3 – 5 years of progressively responsible Commercial Lending experience. Trustworthiness and sensitivity are necessary. Experience competencies needed consist of, but they are not restricted to: ? capability to underwrite credit needs, determine appropriate loan framework and current loan that is proposed for approval ? Prepare expert Credit Write- Ups for review by Commercial Team Lead, Credit Administration and Loan Committee for approval ? capability to assess and grade credit danger, debt solution capability and ratio analysis ? Good knowledge of economic statements including stability sheets, earnings statements and declaration of cash flows ? exceptional relationship building and social skills ? Strong consumer focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exemplary verbal and written interaction abilities ? exceptional proofreading abilities with a good awareness of detail ? capability to work both separately and also as a team player ? Practice perfect ethical behavior and understands the need for privacy ? i . t knowledge is a bonus. ? will need to have valid driver’s license and usage of an insured automobile
Should have a standard comprehension of Bank operations and compliance that is regulatory such as 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 control current financing clients and develop brand new client relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II is going to work closely utilizing 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 working relationship with a number of facilities of impact, community leaders and company specialists.
Responsibility # 1 Loan Production and Upkeep
Originate, underwrite, and solution a profile of commercial banking relationships and cross-sells other banking solutions when appropriate
Track loan that is existing to keep a quality asset base and help in number of delinquent loans
Negotiate renewals https://maxloan.org/installment-loans-al/ of credit facilities. Suggest approval of loan 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 borrowers that are commercial analyzing their business strategy, techniques, and projections, along with, historical financial statements and company outcomes
Speak to current customers and leads through different ways to talk about company requirements and suggest ways that the financial institution can offer solutions
Assist Credit Analysts to accurately review prospective debtor requests and coordinate processing of approved loans
Test economic loan covenants and prepare yearly term loan reviews
Ensure all loan papers are correct, finalized and recorded/perfected.
Ensure all supporting documents is complete and signed where necessary.
Responsibility number 3 Start Up Business Developing / Community Outreach
take part in company development tasks and get brand new good quality loan 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 job knowledge by playing academic possibilities, keeping 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 respect to competition, color, faith, intercourse, nationwide origin, intimate orientation, sex identification, impairment status, protected veteran status, or just about any other characteristic protected for legal reasons.