Commercial Loan Officer II
PLACE EXPLANATION The Commercial Loan Officer II accounts for supplying expert lending that is commercial to current and potential bank customers. The Commercial Loan Officer II is anticipated to obtain their production that is certain and calling objectives and precisely handle their assigned loan portfolio.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus no less than 3 – 5 years of progressively responsible Commercial experience that is lending. Trustworthiness and sensitiveness are necessary. Skill competencies needed consist of, but they are not restricted to: ? capacity to underwrite credit demands, determine appropriate loan framework and current proposed loan demands 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 risk, debt solution capability and ratio analysis ? Good knowledge of monetary statements including stability sheets, earnings statements and declaration of cash flows ? Excellent 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 focus on detail ? capability to work both separately so when a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? Information Technology knowledge is a bonus. ? will need to have legitimate driver’s permit and usage of an insured vehicle
Should have a general knowledge of Bank operations and compliance that is regulatory like the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will be able to work closely because of the Commercial Team Lead and Commercial Banking Manager to handle lending that is existing and develop brand brand new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II is going to work closely because of 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 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 existing loan portfolios to steadfastly keep up a 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 credit lines and funds transfers with specified limitations
Responsibility # 2 Credit and Borrower Research
Screen possible commercial borrowers by analyzing their company plan, techniques, and projections, along with, historical monetary statements and business outcomes
Meet with current clients and prospects through various solutions to talk about company requirements 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, finalized and recorded/perfected.
Ensure all documentation that is supporting complete and signed where necessary.
Responsibility # 3 Start Up Business Developing / Community Outreach
participate in company development tasks and obtain brand new good quality loan and deposit company to produce volume and/or manufacturing objective
Express SCB at different community functions and professional/civic groups to further enhance the Bank’s image and presence
Responsibility # 4 Continuing Education
Update work knowledge by taking part in academic possibilities, keeping networks that are personal taking part in professional businesses.
Sound Community Bank is an opportunity that is equal and all sorts of qualified candidates will get consideration for work without reference to battle, color, religion, intercourse, nationwide beginning, intimate orientation, gender identification, impairment status, protected veteran status, or other characteristic protected for legal reasons.