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 customers. The Commercial Loan Officer II is anticipated to realize their particular manufacturing and client calling goals 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. Experience competencies needed consist of, but they are not limited 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 management and Loan Committee for approval ? capability to assess and grade credit danger, financial obligation solution ability 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 ? exceptional proofreading abilities with a good focus on detail ? power to work both separately so when a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? Information Technology knowledge is an advantage. ? will need to have legitimate driver’s permit and usage of a vehicle that is insured
Should https://loansolution.com/installment-loans-ks/ have a standard knowledge of Bank operations and compliance that is regulatory like the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will continue to work closely utilizing the Commercial Team Lead and Commercial Banking Manager to control lending that is existing and develop brand brand brand new customer relationships to attract future financing opportunities when it comes to bank. The Commercial Loan Officer II is going to work closely because of 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 working relationship with a number of facilities of impact, community leaders and company specialists.
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 current loan portfolios to steadfastly keep up a superior quality asset base and help out with number of delinquent loans
Negotiate renewals of credit facilities. Suggest approval of loan re re re payments, construction draw requests, draws from lines of credit and funds transfers with specified limits
Responsibility # 2 Credit and Borrower Research
Screen potential borrowers that are commercial analyzing their business strategy, methods, and projections, in addition to, historical monetary statements and company outcomes
Speak to current customers and leads through different ways to talk about company requirements and suggest ways that the financial institution can offer solutions
Make use of Credit Analysts to accurately review potential borrower requests and coordinate processing of approved loans
Test loan that is financial and prepare annual term loan reviews
Ensure all loan papers are correct, finalized and recorded/perfected.
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 get 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 exposure
Responsibility # 4 Continuing Education
Update work knowledge by taking part in academic possibilities, maintaining individual systems and taking part in expert businesses.
Sound Community Bank is an equal possibility company and all qualified candidates will get consideration for work without reference to battle, color, religion, intercourse, nationwide beginning, intimate orientation, sex identification, impairment status, protected veteran status, or other characteristic protected for legal reasons.