Commercial Loan Officer II
PLACE DEFINITION The Commercial Loan Officer II is in charge of providing expert lending that is commercial to current and potential bank customers. The Commercial Loan Officer II is anticipated to accomplish their specific manufacturing and client calling objectives and precisely manage their assigned loan profile.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus at the least 3 – 5 years of progressively responsible Commercial Lending experience. Trustworthiness and sensitiveness are necessary. Experience competencies needed consist of, but are not restricted to: ? capability 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 ? capability to assess and grade credit danger, financial obligation service ability and ratio analysis ? Good knowledge of economic statements including stability sheets, earnings statements and statement of cash flows ? exceptional relationship building and social skills ? Strong client focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exemplary verbal and written interaction skills ? Excellent proofreading abilities with a very good focus on detail ? capacity to work both separately and also as a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? i . t knowledge is a bonus. ? will need to have legitimate driver’s permit and usage of an insured automobile
Will need to have a general comprehension of Bank operations and compliance that is regulatory such as the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will continue to work closely aided by the Commercial Team Lead and Commercial Banking Manager to handle existing financing clients and develop brand brand new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II will continue to work closely utilizing the Bank’s Credit Analysts to help in analysis of credit demands and planning of Credit Write ups.
Outside Bank Position maintains regular and close relationship that is working a number of facilities of impact, community leaders and company specialists.
Responsibility # 1 Loan Production and Upkeep
Originate, underwrite, and solution a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate
Monitor loan that is existing to steadfastly keep up a superior quality asset base and help out with number of delinquent loans
Negotiate renewals of credit facilities. Suggest approval of loan re 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 commercial borrowers by analyzing their business strategy, methods, and projections, along with, historical monetary statements and company outcomes
Speak to existing clients and leads through different ways to talk about company requirements and suggest ways that the lender can offer solutions
Make use of Credit Analysts to accurately review potential debtor requests and coordinate processing of approved loans
Test monetary loan covenants and prepare yearly term loan reviews
Ensure all loan papers are correct, finalized and recorded/perfected.
Ensure all documentation that is supporting complete and signed whenever necessary.
Responsibility no. 3 Start Up Business Developing / Community Outreach
take part in company development activities and get brand new quality loan and deposit company to produce volume and/or manufacturing objective
Express SCB at different community functions and groups that are professional/civic further enhance the Bank’s image and exposure
Responsibility # 4 Continuing Education
Update work knowledge by taking part in academic possibilities, maintaining individual systems and playing expert companies.
Sound Community Bank is definitely an equal possibility company and all sorts of qualified applicants will get consideration for work without reference to battle, color, faith, intercourse, nationwide beginning, intimate orientation, gender identification, impairment status, protected veteran status, or just about any other characteristic protected by law.