Commercial Lender Trainee

About the role

Underwrite and analyze commercial loan requests. Provide an unbiased presentation to enable management to make informed credit decisions. Gradually transition to a Business Banker with responsibility for monitoring, managing, and developing commercial relationships.

Responsibilities

• Perform various duties involved with the credit analysis function on all credit relationships as assigned.
• Develop information for use by the Relationship Managers, Loan Committee, and Board Loan Committee for the purpose of making decisions on new and existing loans.
• Collect and analyze credit information from all available sources, including in-house, other financial institutions, various agencies, etc.
• Analyze financial statements and all related material, in part, through use of spreading software.
• Attend and participate in customer calls with the Relationship Managers, including the documenting of calls, when appropriate.
• Development and preparation of credit presentations to document credit files and provide the Relationship Managers and/or QNB Loan Committee and Board Loan Committee with the information necessary to make informed credit decisions.
• Monitor progress log for all scheduled annual reviews and insure completion of such reviews within the set time parameters.
• Assist in developing new procedures and programming to enhance automation and efficiency.
• Work directly with other departments to facilitate workflow.
• Progress through the Training Development Framework (below). Master required essential skills in a reasonable timeframe as determined by the Credit Department Manager.
• Adhere to policy and compliance requirements in all credit analysis, portfolio management and lending responsibilities.
• After completion of Phase I, begin to shadow lending staff in meeting with current and prospective clients to assess the specific customer needs and aid in the development/delivery of solutions designed to meet those needs.
• Document customer calls, status of accounts, and action plans.
• Represent the bank in a professional manner and participate in appropriate civic and community functions to enhance the bank’s image. Examples include accountant/attorney groups, Chambers of Commerce, Kiwanis, Lions, RMA and PBA.
• Completes assigned compliance training in a timely manner and demonstrates ability to apply training to their duties and responsibilities.
• Assumes additional responsibilities as requested.

Requirements

To be considered for this role, candidates must have:

• High school diploma or equivalent.
• Minimum of 1 year of relevant work experience in a financial services environment.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal skills.
• Proficiency in Microsoft Office Suite.

Qualifications

Must possess:

• Valid driver's license.
• Ability to travel up to 25% of the time.

Skills

Desired skills include:

• Knowledge of commercial lending practices and regulations.
• Experience with credit analysis software.
• Strong organizational and time management skills.
• Ability to work independently and as part of a team.

Benefits

QNB Bank offers competitive compensation and benefits, including:

• Health insurance coverage.
• Paid time off.
• Professional development opportunities.
• Employee assistance program.

Pay

The starting salary range for this position is $45,000 - $55,000 annually.

Schedule

This is a full-time position with standard business hours.