Sr. Commercial Lending Officer

About the Role

Solicits, develops, and manages credit relations with individuals and businesses seeking a variety of secured and unsecured loans, including commercial, real estate, and construction. Oversees and manages a commercial loan portfolio, making decisions within prescribed guidelines while referring more complex loans to the Chief Lending Officer. Responsible for the overall profitability and quality of the loan portfolio, ensuring adherence to established bank loan procedures, practices, and reporting requirements. Focuses on sales development, referral activities, and fostering a teamwork environment to meet sales and business development goals.

Responsibilities

• Interview loan applicants to assess their businesses, needs, abilities, and earnings to determine loan risk.
• Evaluate the financial condition of clients, collateral value, and management effectiveness to make loan decisions within lending limits.
• Refer loans exceeding lending authority to the Chief Lending Officer or Loan Committee.
• Monitor existing loan accounts for compliance with contract and policy limits, requesting additional data as needed.
• Recognize unfavorable trends and recommend corrective actions to maintain portfolio quality.
• Coordinate loan activities with other departments and confer with the Chief Lending Officer on sensitive issues.
• Attain loan objectives, including origination, delinquency control, fee and interest income, and return on assets.
• Make referrals to other business units for traditional and non-traditional banking products and services.
• Establish and meet business development, sales, and referral goals under the direction of the Chief Lending Officer.
• Develop and execute a marketing plan to generate new commercial loans using effective sales techniques.
• Implement tactical plans to deepen relationships with profitable customers and identify opportunities for upselling.
• Actively call on new and prospective customers to cross-sell bank products and services aligned with customer needs.
• Profile customers to understand their full financial picture and ensure compliance with regulatory issues (e.g., CRA, Fair Lending).
• Demonstrate professionalism and efficiency in resolving customer issues while maintaining thorough knowledge of the bank’s services and operations.
• Attend all required training and assist with additional duties as assigned.