Commercial Lender

Responsibilities

• Identify business leads and prospects for future opportunities, including providing general Bank information and cross-selling services.
• Meet with and interview applicants to review and evaluate loan requests, including loan alternatives, credit criteria, interest rates, and necessary loan documentation.
• Prepare, or assist in preparing with Credit Analysts, written submissions for consideration by the appropriate loan approval authority.
• Structure loans within loan policy.
• Identify problems or potential problems with credit information and coordinate with the necessary party to resolve the problems.
• Prepare loan proposals consistent with the loan approval for presentation to applicants.
• Review loan documents and related closing documentation for accuracy and consistency with approval.
• Monitor construction loans including budgets, loan advances, conducting property inspections and all related documentation required by loan policy.
• Manage loan portfolio including renewals, modifications, covenant tracking, financial statement collection, collections, and general portfolio monitoring.
• Handle more complex loan requests, issues and problems, and refer only the most complex to Commercial Lender III or Commercial Lending Manager.
• Participate in identifying, measuring, monitoring, controlling and mitigating departmental and enterprise-wide risks.
• Maintain awareness of and adherence to Bank’s compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks.
• Deliver a consistent, high level of service within our Service Excellence standards.

Qualifications

• Interpersonal/Customer Service Skills
• Written and Verbal Communication
• Ability to understand and follow directions
• Adaptable to change
• Basic Computer Skills
• Organizational Skills/Detail Oriented
• Analytical Thinking
• Able to Multi-Task or Juggle Priorities
• Problem/Situation Analysis
• Technical Expertise
• Strategic Planning and Decision Making
• Creativity
• Competency
• Leadership/Management Skills

Skills

• Ability to influence others
• Ability to build collaborative relationships
• Ability to develop or mentor others
• Ability to work as part of a team

Benefits

• Typical office hours are Monday through Friday 8am to 5pm.
• This position is exempt and full-time.
• A minimum 40 hours is required per week.
• Physical Requirements: Must be able to remain in a stationary position a maximum of 50% of the time, constantly operate a computer up to 50% of the time and be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information.
• Travel Requirements: Travel to customers and prospects is expected.

Pay

• Could be a Commercial Lender I or a Commercial Lender II, based on experience.