Commercial Loan Officer II
PLACE EXPLANATION The Commercial Loan Officer II is in charge of supplying expert lending that is commercial to current and potential bank consumers. The Commercial Loan Officer II is expected to accomplish their particular manufacturing and consumer calling goals 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 consist of, but they 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, debt solution ability and ratio analysis ? Good knowledge of economic statements including stability sheets, earnings statements and declaration of cash flows ? exemplary relationship building and social skills ? Strong client focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exceptional verbal and written interaction abilities ? exemplary proofreading abilities with a stronger focus on detail ? power to work both separately so that as a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? Information Technology knowledge is an advantage. ? should have legitimate driver’s permit and use of an insured car
Should have a general knowledge of Bank operations and regulatory conformity, like the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II works closely with all the Commercial Team Lead and Commercial Banking Manager to handle current lending customers 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 using 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 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 payments, construction draw requests, draws from credit lines and funds transfers with specified limitations
Responsibility # 2 Credit and Borrower Review
Screen possible borrowers that are commercial analyzing their business strategy, techniques, and projections, along with, historical monetary statements and company outcomes
Speak to current clients and leads through various ways to talk about company requirements and recommend ways that the lender can offer solutions
Utilize Credit Analysts to accurately review potential borrower 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 payday loans Colorado Home Based Business Developing / Community Outreach
take part in business development tasks and obtain brand new quality that is high and deposit company to obtain 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 individual systems and taking part in expert companies.
Sound Community Bank is definitely an equal possibility boss and all sorts of qualified applicants will get consideration for work without regard to competition, color, faith, intercourse, nationwide beginning, intimate orientation, sex identification, impairment status, protected veteran status, or just about any other characteristic protected for legal reasons.