Commercial Lender

Benefits

• Employee Stock Ownership Plan & 401k Plan
• Healthcare (Medical, Dental, Vision, Telehealth, Life insurance)
• 12-week Paid Parental Leave and Medical Leave: With a cap of 20 weeks for eligible team members who qualify for both Medical and Parental Leave related to the birth of a child
• $5,000 Family Care Reimbursement: Childcare, Elder Care, Student Loan Debt, Pet expenses, Down Payment Assistance, Health Insurance Premiums
• PTO from 13 to 23 days depending on tenure. Cashout and Carryover options
• 11 Paid Holidays
• 4 Days Volunteer Time
• 2 Days Self Allowance Time
• Tuition Assistance

Responsibilities

• Develop and manage lending relationships for the purpose of generating loan requests that meet established lending requirements, which provide maximum profitability to the bank with a minimum risk.
• Including managing a loan portfolio for the express purpose of increasing balances and profit, and decreasing past dues, charge-offs, and other loan problems.
• Ability to work within the bank’s national lending platform under various programs.
• Develop an on-going personal business development plan that utilizes a structured calling program that generates an agreed-to minimum of new loan growth and fee generation based on business unit KPIs.
• Collect necessary information from loan applicants so that loan requests can be understood and properly underwritten; respond to the credit department’s questions pertaining to the underwriting process to determine the credit worthiness of loan applicants.
• Will provide information as requested on status of loans in process and approved but not closed (pipeline and backlog report).
• Make timely decisions on loan applications within granted authorities.
• Is responsible for the accuracy of loan grading, documentation, performance, clearing of exceptions, and follow-up on all loans in assigned portfolio.
• Will actively work existing customer base for referrals that garners new business from prospects and existing customers alike.
• Maintain a list of delinquent accounts within the personal portfolio and maintain a log of collection efforts. Contact delinquent accounts via telephone, personal visits or correspondence. Forward irreconcilable accounts for collector action or pursuing legal action.
• Monitor loan repayment for loans in assigned portfolio and take necessary action to collect past due loans.
• Participate in community activities for the purpose of increasing the bank’s visibility and seeking out new business opportunities.
• Promote bank services, seek out referral opportunities (including consumer loans), answer customer questions, and direct customers to the appropriate personnel for assistance.
• Effectively use bank systems and other technology to the fullest extent of their capabilities to include lead tracking, opportunities, file notes, underwriting, processing, closings, and servicing workflows.
• Maintain a working knowledge of all legal and regulatory compliance issues as they pertain to this position.
• Loss prevention and security as applicable to this position.

Qualifications

• Bachelor’s degree from a four-year college or university preferred but will consider experience in lieu of degree.
• Proven track record in commercial lending, specifically for commercial and commercial real estate loan requests.
• Relationship management skills for commercial, small business, and personal relationships.
• Highly developed analytical and underwriting expertise and a credit quality focus.
• Portfolio management experience required.
• Strong oral and written communication skills.
• Proficient computer skills.
• Excellent customer service skills.