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 anticipated to quickly attain their specific production and consumer calling objectives and correctly 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 demands, determine appropriate loan framework and current proposed loan demands for approval ? Prepare expert Credit Write- Ups for review by Commercial Team Lead, Credit Administration and Loan Committee for approval ? capacity 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 ? exemplary relationship building and interpersonal 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 solid awareness of detail ? power to work both individually so when a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? i . t knowledge is a bonus. ? should have legitimate driver’s permit and use of an insured car
Will need to have a general comprehension 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 with all the Commercial Team Lead and Commercial Banking Manager to control lending that is existing and develop brand new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II works closely aided by the Bank’s Credit Analysts to aid in analysis of credit demands and preparation of Credit Write ups.
Outside Bank Position keeps regular and close relationship that is working a selection of facilities installment loans MO of influence, 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 loan that is existing to keep a superior quality asset base and help in number of overdue loans
Negotiate renewals of credit facilities. Recommend approval of loan re payments, construction draw requests, draws from personal lines of credit and funds transfers with specified restrictions
Responsibility # 2 Credit and Borrower Review
Screen potential commercial borrowers by analyzing their business strategy, methods, and projections, in addition to, historical financial statements and company outcomes
Speak to current customers and prospects through different techniques 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 number 3 Start Up Business Developing / Community Outreach
participate in company development tasks and obtain brand new quality that is high and deposit company to attain volume and/or production objective
Express SCB at different community functions and professional/civic groups to further enhance the Bank’s image and visibility
Responsibility # 4 Continuing Education
Update work knowledge by playing academic possibilities, keeping networks that are personal taking part in expert companies.
Sound Community Bank is an equal possibility company and all sorts of qualified candidates will get consideration for work without reference to competition, color, religion, intercourse, national beginning, intimate orientation, sex identification, impairment status, protected veteran status, or other characteristic protected for legal reasons.