Commercial Lender Trainee

About the role

Function 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 (see Training Development Framework).

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 documenting calls when appropriate.
• Develop and prepare 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 ensure 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, mastering required essential skills 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, shadow lending staff in meetings with current and prospective clients to assess specific customer needs and aid in developing/delivering solutions.
• Document customer calls, status of accounts, and action plans.
• Represent the bank professionally and participate in appropriate civic and community functions to enhance the bank's image (e.g., accountant/attorney groups, Chambers of Commerce, Kiwanis, Lions, RMA, PBA).
• Complete assigned compliance training in a timely manner and demonstrate ability to apply training to duties and responsibilities.
• Assume additional responsibilities as requested.