Commercial Loan Officer II

About the role

Responsible for performing various duties to meet the commercial services needs of individuals or business customers as well as developing and managing relationships; achieving customer service goals as established in the division’s annual operating plan; complying with operating policies and procedures established for the commercial lending function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports.

Responsibilities

• Manages an individual loan portfolio and maintains ongoing business relationships with present customers to take advantage of additional cross-selling opportunities.
• Achieves assigned sales objectives in coordination with the assigned supervisor on an annual basis, integrated with the Bank’s annual budget.
• Makes outside calls and solicits new business from present and prospective customers.
• Provides sales information on a timely basis for inclusion in customer service and sales performance reports.
• Monitors individual sales performance versus objectives on a regular basis and discusses performance with the appropriate supervisor frequently.
• Serves as a member of the Bank's sales team and participates in group sales calls to improve opportunities for new business development.
• Maintains a thorough knowledge of the features and benefits of all bank commercial products and services to ascertain customer needs and sell accordingly.
• Provides direct service to commercial customers regarding deposit, loan, and other miscellaneous products and services.
• Makes presentations to the appropriate loan committee.
• Assists customers in obtaining specialized services from other bank departments as necessary and provides help with specific inquiries or service problems.
• Maintains a working knowledge of bank operating policies and procedures that impact commercial services.
• Prepares and maintains accurate records of all customer service calls made and meetings held with present and prospective customers.
• Actively represents the Bank in public relations and community activities.
• May attend sales and trade meetings as a bank representative to develop new business and gain information on new business relationships.
• Monitors loan repayment activities of assigned loan portfolio.
• Assists in training of Commercial Loan Officer I.

Qualifications

• Education/Training: A B.S. or B.A. degree in a related field normally required; specialized commercial banking education and/or training.
• Experience: A minimum of five (5) years' experience in related positions normally required.

Skills

• Strong communication skills.
• Proficient analytical and mathematics skills.
• Proficient interpersonal relations, communicative, written, and sales skills.
• Thorough knowledge of the features and benefits of all bank commercial products and services.
• Working knowledge of bank operating policies and procedures which impact commercial lending.
• Proficient PC skills, including Microsoft Word and Excel.