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 ensuring overall profitability and quality. Refers complex loans to the Chief Lending Officer and fosters a teamwork environment to meet sales and business development goals.

Responsibilities

• Interview loan applicants to assess their business needs, financial abilities, and earnings to determine loan risk.
• Evaluate the financial condition of clients, collateral value, and management competency to make lending decisions within authority limits.
• Refer loans exceeding lending authority to the Chief Lending Officer or Loan Committee.
• Monitor existing loan accounts to ensure 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 income, 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.
• Identify opportunities to deepen relationships with customers, including those with minimal but high-potential engagement.
• Actively manage unprofitable client relationships to improve profitability.
• Call on new and prospective customers to explore needs, cross-sell products, and recommend solutions aligned with customer goals.
• Profile customers to gain a comprehensive understanding of their financial situation.
• Ensure compliance with regulatory issues related to loan policies and procedures (e.g., CRA, Fair Lending).
• Demonstrate professionalism and efficiency in resolving customer issues while maintaining a thorough knowledge of the bank’s services and operations.
• Attend all required training and assist with additional duties as assigned.