Commercial Loan Officer II
PLACE DEFINITION The Commercial Loan Officer II is in charge of supplying expert commercial financing solutions to existing and potential bank consumers. The Commercial Loan Officer II is anticipated to quickly attain their production that is certain and calling objectives and precisely handle their assigned loan profile.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus at the least 3 – 5 years of progressively responsible Commercial experience that is lending. Trustworthiness and sensitiveness are necessary. Experience competencies needed include, 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, financial obligation solution capability and ratio analysis ? Good knowledge of monetary statements including stability sheets, earnings statements and declaration of cash flows ? exemplary relationship building and social skills ? Strong consumer focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exceptional verbal and written interaction abilities ? exemplary proofreading abilities with a good awareness of detail ? capability 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. ? should have legitimate driver’s license and usage of an insured car
Should have a complete comprehension of Bank operations and regulatory conformity, such as the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will be able to work closely aided by the Commercial Team Lead and Commercial Banking Manager to control current financing clients and develop brand new customer relationships to attract future financing possibilities for the bank. The Commercial Loan Officer II will continue to work closely utilizing the Bank’s Credit Analysts to aid in analysis of credit demands and planning of Credit Write ups.
Outside Bank Position maintains regular and close relationship that is working a variety of facilities of impact, community leaders and company Professionals.
Responsibility # 1 Loan Production and Upkeep
Originate, underwrite, and solution a profile of commercial banking relationships and cross-sells other banking solutions when appropriate
Track current loan portfolios to keep up a superior quality asset base and help in number of overdue loans
Negotiate renewals of credit facilities. Suggest approval of loan re re payments, construction draw requests, draws from credit lines and funds transfers with specified restrictions
Responsibility # 2 Credit and Borrower Research
Screen prospective commercial borrowers by analyzing their business strategy, techniques, and projections, in addition to, historical monetary statements and company outcomes
Speak to current clients and prospects through different techniques to talk about company needs and suggest ways that the financial institution 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, recorded/perfected and signed.
Ensure all documentation that is supporting complete and signed whenever necessary.
Responsibility #3 Home Based Business Developing / Community Outreach
take part in company development tasks and obtain brand new quality that is high and deposit business to reach volume and/or manufacturing objective
Express SCB at different community functions and professional/civic groups to further enhance the Bank’s image and exposure
Responsibility # 4 Continuing Education
Update work knowledge by taking part in academic possibilities, keeping individual systems and taking part in expert companies.
Sound Community Bank is definitely an opportunity that is equal and all sorts of qualified candidates will get consideration for work without respect to competition, color, faith, intercourse, nationwide beginning, intimate orientation, sex identification, impairment status, protected veteran status, or other characteristic protected for legal reasons.