Commercial Loan Officer II
POSITION DEFINITION The Commercial Loan Officer II is responsible for supplying expert lending that is commercial to current and potential bank consumers. The Commercial Loan Officer II is anticipated to realize their production that is certain and calling goals and correctly manage their assigned loan profile.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus no less than 3 – five years of progressively responsible Commercial experience that is lending. Trustworthiness and sensitiveness are crucial. Experience competencies needed consist of, but they are not restricted to: ? capability to underwrite credit demands, determine appropriate loan framework and current loan that is proposed for approval ? Prepare expert Credit Write- Ups for review by Commercial Team Lead, Credit Administration and Loan Committee for approval ? capability to assess and grade credit danger, debt service capability and ratio analysis ? Good knowledge of monetary 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 ? exemplary verbal and written interaction abilities ? exemplary proofreading abilities with a solid focus on detail ? capacity to work both separately so when a team player ? Practice perfect ethical behavior and understands the necessity for privacy ? i . t knowledge is a bonus. ? should have legitimate driver’s permit and usage of an insured car
Will need https://fasterloansllc.com/payday-loans-tx/ to have a standard comprehension of Bank operations and compliance that is regulatory such as the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II works closely because of the Commercial Team Lead and Commercial Banking Manager to control current financing clients 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 utilizing the Bank’s Credit Analysts to aid in analysis of credit needs and preparation of Credit Write ups.
Outside Bank Position maintains regular and close working relationship with a selection of facilities of impact, community leaders and company experts.
Responsibility # 1 Loan Production and Upkeep
Originate, underwrite, and service a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate
Track current loan portfolios to steadfastly 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 re re payments, construction draw requests, draws from personal lines of credit and funds transfers with specified restrictions
Responsibility # 2 Credit and Borrower Research
Screen possible borrowers that are commercial analyzing their company plan, methods, and projections, in addition to, historical monetary statements and company outcomes
Speak to existing clients and leads through different solutions to talk about company requirements 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, finalized and recorded/perfected.
Ensure all documentation that is supporting complete and signed whenever necessary.
Responsibility # 3 Start Up Business Developing / Community Outreach
participate in company development tasks and obtain brand brand new top quality loan and deposit company to realize volume and/or manufacturing objective
Express SCB at different community functions and groups that are professional/civic further enhance the Bank’s image and visibility
Responsibility # 4 Continuing Education
Update work knowledge by playing academic possibilities, keeping individual sites and playing expert businesses.
Sound Community Bank is an opportunity that is equal and all sorts of qualified candidates will get consideration for employment without respect to battle, color, faith, intercourse, national beginning, intimate orientation, sex identification, impairment status, protected veteran status, or just about any other characteristic protected for legal reasons.