Commercial Loan Officer II
PLACE DESCRIPTION The Commercial Loan Officer II is in charge of providing expert commercial financing solutions to current and potential bank customers. The Commercial Loan Officer II is anticipated to quickly attain their particular manufacturing and client calling objectives and precisely handle their assigned loan profile.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus at the least 3 – five years of progressively responsible Commercial experience that is lending. Trustworthiness and sensitiveness are crucial. Experience competencies needed consist of, but are not restricted to: ? capacity to underwrite credit needs, determine appropriate loan framework and current loan that is proposed for approval ? Prepare expert Credit Write- Ups for review by Commercial Team Lead, Credit management and Loan Committee for approval ? power to assess and grade credit danger, debt solution capacity and ratio analysis ? Good knowledge of economic statements including stability sheets, earnings statements and declaration of cash flows ? exceptional relationship building and social skills ? Strong client focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exceptional verbal and written interaction abilities ? exemplary proofreading abilities with a very good awareness of detail ? power to work both separately so when a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? Information Technology knowledge is an advantage. ? should have legitimate driver’s permit and use of an insured automobile
Will need to have a complete knowledge of Bank operations and compliance that is regulatory like the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II is going to work closely aided by the Commercial Team Lead and Commercial Banking Manager to control existing lending clients and develop new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II is going to work closely utilizing the Bank’s Credit Analysts to aid in analysis of credit requests and planning of Credit Write ups.
Outside Bank Position maintains frequent and close working relationship with a number of facilities of impact, community leaders and company experts.
Responsibility # 1 Loan Production and Upkeep
Originate, underwrite, and solution a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate
Track loan that is existing to keep up a superior quality asset base and help out with number of overdue loans
Negotiate renewals of credit facilities. Suggest approval of loan re payments, construction draw requests, draws from personal lines of credit and funds transfers with specified limitations
Responsibility # 2 Credit and Borrower Research
Screen prospective borrowers that are commercial analyzing their company plan, methods, and projections, along with, historical financial statements and company outcomes
Talk with current clients and leads through different solutions to talk about company needs and suggest ways that the financial institution can offer solutions
Make use of Credit Analysts to accurately review borrower that is prospective and coordinate processing of approved loans
Test loan that is financial and prepare yearly term loan reviews
Ensure all loan papers are correct, recorded/perfected and signed.
Ensure all supporting documents is complete and signed whenever necessary.
Responsibility #3 Home Based Business Developing / Community Outreach
participate in company development activities and obtain brand brand new good quality loan and deposit company to realize volume and/or production objective
Responsibility #4 Continuing Education
Update work knowledge by participating in academic possibilities, keeping networks that are personal taking part in expert companies.
Sound Community Bank is an equal possibility company and all sorts of qualified candidates will get consideration for work without reference to competition, color, religion, intercourse, nationwide beginning, intimate orientation, sex identity, disability status, protected veteran status, or other characteristic protected for legal reasons.