Commercial Loan Officer

About the Role

The Commercial Loan Officer is responsible for receiving, reviewing, evaluating, and underwriting commercial loan requests. He or she meets with applicants to explain credit policies and to obtain loan information and documentation, monitors and reviews construction and development loans, and helps with collection activities. The Commercial Loan Officer serves borrowers and prospective borrowers promptly and professionally, provides general bank information, cross-sells services, and assists other Commercial Lending personnel as necessary. He or she is responsible for business development and marketing of existing and prospective accounts.

Responsibilities

• Ensures that customers' requests and questions are promptly resolved
• Interviews, takes applications, and processes preliminary documentation on loan requests, discussing loan alternatives, credit criteria, interest rates, and loan documentation to elicit positive responses from customers
• Completes lending operations in accordance with established Bank policies and legal requirements
• Informs customers of Bank loan policies and services
• Analyzes and evaluates loan requests and approves loans within specified limits or prepares written submissions for consideration by senior lenders or committees if over individual limits
• Identifies problems or potential problems with credit information and coordinates with necessary parties to resolve them
• Helps review construction loan advances on commercial properties
• Conducts property inspections as assigned
• Reviews loan reports to identify maturing or matured loans and proactively completes renewal paperwork or processes declines
• Assists with the collection of delinquent accounts
• Establishes and maintains effective and professional business relations with customers and trade professionals
• Educates customers regarding bank products and services and how they can better serve their financial needs
• Meets with applicants whose loans are denied, explains reasons, and discusses alternatives
• May supervise loan personnel and/or lending assistants, ensuring high-quality work and efficiency
• Attends assigned training sessions and stays current on new procedures and policies
• Markets commercial loans and cross-sells other bank products and services
• Stays informed regarding changes in lending standards and related legal requirements
• Promotes D.L. Evans Bank and serves as a representative in the community
• Completes required reports and records accurately and promptly
• Coordinates functions with related departments and branches and provides support as needed
• Keeps management informed of area activities and significant problems or concerns
• Attends and participates in meetings and committees as required
• Completes special projects as assigned

Qualifications

• High school diploma or GED required; Bachelor's degree in Business, Finance, or a related field preferred
• Three to five years of commercial lending experience required
• Understanding of financial analysis and determination of creditworthiness required
• Knowledge of Bank lending and collections programs, policies, and procedures required
• Active license number with the Nationwide Mortgage Licensing System and Registry or the ability to obtain such
• Familiarity with property management and maintenance procedures preferred
• Strong interviewing skills
• Excellent written and verbal communication skills
• Proven track record of community/civic/trade organization involvement and business development
• Strong analytical skills
• Ability to use financial calculators, related computer applications, and business machines

Benefits

• Medical Insurance
• Dental Insurance
• Vision Insurance
• FSA
• 401(k)
• Employee Stock Ownership Plan
• Paid Vacation
• Sick Time
• Life Insurance
• Long-term Disability Insurance

D.L. Evans Bank is a community bank established in 1904, providing premier banking services to Southern Idaho and Northern Utah. We foster a working environment dedicated to teamwork and excellent customer service.