Sound Community Bank: Commercial Loan Officer II. Should have a complete knowledge of Bank operations and regulatory compliance, such as the Bank Secrecy Act.

Sound Community Bank: Commercial Loan Officer II. Should have a complete knowledge of Bank operations and regulatory compliance, such as the Bank Secrecy Act.

Commercial Loan Officer II

PLACE EXPLANATION The Commercial Loan Officer II accounts for supplying expert commercial financing solutions to current and potential bank consumers. The Commercial Loan Officer II is anticipated to attain their particular production and consumer calling goals and precisely handle their assigned loan portfolio.

PLACE QUALIFICATIONS Bachelors’ degree preferred, plus at the least 3 – 5 years of progressively responsible Commercial experience that is lending. 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 loan that is proposed for approval ? Prepare professional Credit Write- Ups for review by Commercial Team Lead, Credit management and Loan Committee for approval ? power to assess and grade credit danger, financial obligation solution capability and ratio analysis ? Good knowledge of monetary statements including stability sheets, earnings statements and statement of cash flows ? exceptional relationship building and social skills ? Strong consumer focus ? Strong organizational and view it multi-tasking abilities in a fast-paced environment ? exemplary verbal and written interaction abilities ? exemplary proofreading abilities with a solid focus on detail ? capability to work both individually so that as a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? Information Technology knowledge is a bonus. ? will need to have legitimate driver’s permit and usage of a vehicle that is insured

Will need to have a broad knowledge of Bank operations and compliance that is regulatory like the Bank Secrecy Act.

RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will be able to work closely because of the Commercial Team Lead and Commercial Banking Manager to handle current financing clients and develop new client relationships to attract future financing possibilities for the bank. The Commercial Loan Officer II will be able to work closely aided by the Bank’s Credit Analysts to help in analysis of credit requests and planning of Credit Write ups.

Outside Bank Position keeps regular and close working relationship with 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 loan that is existing to keep up a top quality asset base and help in number of delinquent loans

Negotiate renewals of credit facilities. Suggest approval 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 borrowers that are commercial analyzing their business strategy, techniques, and projections, also, historical monetary statements and company outcomes

Speak to current clients and leads through different techniques to talk about company requirements and recommend ways that the lender can offer solutions

Assist Credit Analysts to accurately review potential debtor requests and coordinate processing of approved loans

Test loan that is financial and prepare yearly term loan reviews

Ensure all loan documents are correct, recorded/perfected and signed.

Ensure all documentation that is supporting complete and signed whenever necessary.

Responsibility #3 Start Up Business Developing / Community Outreach

take part in company development activities and get brand brand new quality that is high and deposit company to quickly attain volume and/or production objective

Express SCB at various community functions and groups that are professional/civic further enhance the Bank’s image and presence

Responsibility # 4 Continuing Education

Update work knowledge by taking part in academic opportunities, keeping networks that are personal taking part in expert companies.

Sound Community Bank is an opportunity that is equal and all qualified candidates will get consideration for work without reference to competition, color, faith, intercourse, nationwide beginning, intimate orientation, sex identity, impairment status, protected veteran status, or virtually any characteristic protected for legal reasons.

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