Commercial Loan Officer II
PLACE EXPLANATION The Commercial Loan Officer II accounts for supplying expert lending that is commercial to current and potential bank consumers. The Commercial Loan Officer II is anticipated to obtain their production that is certain and calling objectives and precisely handle their assigned loan profile.
POSITION QUALIFICATIONS Bachelors’ degree preferred, plus at the least www.maxloan.org/installment-loans-wy 3 – five years of progressively responsible Commercial Lending experience. Trustworthiness and sensitiveness are necessary. Experience competencies required consist of, but are not restricted to: ? capability to underwrite credit needs, determine appropriate loan framework and current proposed loan requests 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 capacity 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 ? exemplary verbal and written communication abilities ? exceptional proofreading skills with a very good focus on detail ? capability to work both individually so when a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? Information Technology knowledge is a bonus. ? should have legitimate driver’s permit and use of an insured automobile
Will need to have a standard knowledge of Bank operations and compliance that is regulatory such as the Bank Secrecy Act.
RELATIONSHIPS AND CONTACTS Within Bank Commercial Loan Officer II works closely using the Commercial Team Lead and Commercial Banking Manager to handle current financing customers and develop brand new customer relationships to attract future financing possibilities for the bank. The Commercial Loan Officer II will continue to work closely aided by the Bank’s Credit Analysts to aid in analysis of credit demands and planning of Credit Write ups.
Outside Bank Position keeps regular and close relationship that is working a variety of centers of influence, 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 a good quality asset base and help in number of overdue loans
Negotiate renewals of credit facilities. Suggest approval of loan re payments, construction draw requests, draws from credit lines and funds transfers with specified limitations
Responsibility # 2 Credit and Borrower Review
Screen prospective commercial borrowers by analyzing their company plan, methods, and projections, also, historical monetary statements and business outcomes
Talk with current clients and leads through different techniques to talk about company requirements and suggest ways the lender 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 paperwork is complete and signed whenever necessary.
Responsibility # 3 Start Up Business Developing / Community Outreach
take part in company development tasks and obtain brand brand new good quality loan and deposit company to accomplish 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, keeping networks that are personal taking part in expert businesses.
Sound Community Bank can be an equal possibility company and all sorts of qualified candidates will get consideration for work without reference to battle, color, faith, intercourse, nationwide beginning, intimate orientation, sex identification, impairment status, protected veteran status, or other characteristic protected by law.