Commercial Loan Officer II

2 months ago

Pensacola, Florida, United States Centennial Bank Full time

GENERAL DESCRIPTION OF POSITION


The Commercial Loan Officer II is responsible for extending credit within the policies and guidelines set forth in the loan policy.

This position ensures that all loan decisions, actions, and recommendations are based on an accurate and thorough understanding of each customer's financial needs and conditions and comply with all laws, regulations, and bank policies.

The Commercial Loan Officer II must properly administer the creditworthiness and documentation of all loans and/or borrowing relationships originated or assigned to the officer.

Further, it is the officer's responsibility to maintain current credit files and proper note and collateral security documents.

In addition, each officer shall be responsible for:

A.

Assigning the proper credit rating to loans as defined in this policy at origination and as conditions may change with the normal credit monitoring process.

It is expected that officers should be the first to recognize and report deterioration in the credit quality of a loan or borrowing relationship.

Early identification of problem loans is extremely important to minimizing losses.

B. Recommending approval and administer workout programs for problem loans.

C. Recommending approval and monitor levels of reserves established for loans serviced by the officer.

D. Administering the collection process either internally or with bank counsel complying with all laws and regulations.

E. Protecting depositors' funds and stockholders' equity.

F. Generating earnings for the bank and its stockholders.

G. Promoting and maintain a favorable image for the bank.

H. Interviewing loan applicants and makes credit decisions.

I. Responsible for developing new business and managing existing portfolio.

J. Responsible for collecting past due loans, keeping credit and collateral exceptions within policy ranges.

K. Manages a portfolio of loans and may coordinate collection efforts.

ESSENTIAL DUTIES AND RESPONSIBILITIES

  • Interviews commercial loan applicants. This duty is performed daily, about 10% of the time.
  • Examines and evaluates applicants credit and financial history. This duty is performed daily, about 10% of the time.
  • Examines/Views collateral (if applicable) to determine adequacy. This duty is performed daily, about 10% of the time.
  • Authorizes or recommends approval/denial of applicant. This duty is performed daily, about 10% of the time.
  • Approves loan within specified limits or refers to appropriate approval level. This duty is performed daily, about 5% of the time.
  • Prepares loan offering memorandum. This duty is performed daily, about 10% of the time.
  • Ensures all loan documents are complete, accurate and in accordance with policy. This duty is performed daily, about 5% of the time.
  • Closes/Declines loans in a timely manner. This duty is performed daily, about 5% of the time.
  • Monitors loan portfolio/performance. This duty is performed daily, about 5% of the time.
  • Corresponds with customers. This duty is performed daily, about 10% of the time.
  • Recommends changes in risk rating. This duty is performed daily, about 5% of the time.
  • Collects past due loan payments. This duty is performed weekly, about 5% of the time
  • Develops potential loan markets and loan prospects. This duty is performed daily, about 5% of the time.
  • Completes required BSA/AML training and other compliance training as assigned. This duty is performed annually, about 5% of the time.
  • The ability to work in a constant state of alertness and in a safe manner.
  • Perform any other related duties as required or assigned.

QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE
Broad knowledge of such fields as accounting, marketing, business administration, finance, etc.

Equivalent to a four year college degree, plus 5 years related experience and/or training, and 4 years related management experience, or equivalent combination of education and experience.


COMMUNICATION SKILLS


Ability to write reports, business correspondence, and policy/procedure manuals; Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.


MATHEMATICAL SKILLS


Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry.


CRITICAL THINKING SKILLS


Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists.

Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Intermediate:
Spreadsheet, Word Processing/Typing

WORKING CONDITIONS
Somewhat disagreeable working conditions. Continuously exposed to one or two elements such as noise, intermittent standing, walking; and occasional pushing, carrying, or lifting.

ENVIRONMENTAL CONDITIONS


The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually quiet.

PHYSICAL ACTIVITIES


The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

Moderate diversity, low physical.

Work activities which allow for a moderate amount of diversity in the performance of tasks which are not as varied as those positions with high-level diversity and decision-making.


While performing the functions of this job, the employee is regularly required to sit, talk or hear; frequently required to use hands to finger, handle, or feel; and occasionally required to stand, walk.

The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

ADDITIONAL INFORMATION

  • College degree in general business, finance, economics or accounting.
  • Five (5) years lending experience.
  • Five (5) years experience with banking, investment, or economic analysis.
  • Two (2) years experience using Microsoft Word and Excel.
  • Must have general computer skills.
  • The ability to communicate using oral and written skills.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities


The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.

However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information.

41 CFR c)

  • Commercial Security Systems Installer II

    1 week ago

    Pensacola, Florida, United States TEKsystems Full time

    Job OverviewPosition: Commercial Security Systems Installer IIRole Summary:As a Commercial Security Systems Installer II, you will be responsible for the installation, programming, and configuration of advanced electronic security systems tailored for enterprise clients. This includes systems such as access control, video surveillance, intrusion detection,...

  • Senior Loan Officer

    2 days ago

    Pensacola, Florida, United States First Federal Bank Full time

    Job SummaryWe are seeking a highly skilled and experienced Mortgage Loan Specialist to join our team at First Federal Bank. As a key member of our lending team, you will be responsible for originating and processing mortgage loans for residential customers.Key ResponsibilitiesConduct thorough interviews with mortgage loan applicants to gather necessary...

  • Loan Operations Manager

    1 week ago

    Pensacola, Florida, United States D.R. Horton Full time

    D.R. Horton, Inc., a prominent home construction firm in the United States, is looking for a Branch Sales Manager to join their Financial Services Branch Department. The successful candidate will be responsible for guiding Loan Officers to meet branch and company objectives.Key Responsibilities:Deliver sales training and mentorship to Loan OfficersAnalyze...

  • Commercial Construction Superintendent

    2 months ago

    Pensacola, Florida, United States gpac Full time

    Well established diverse commercial General Contractor is searching for an experienced Commercial Construction Superintendent. They are looking for someone with proven experience in managing manufacturing, warehouse, distribution, banking, healthcare, office, corporate @type projects. This position will be responsible for the planning and execution of daily...

  • Law Enforcement Officer Trainee

    1 week ago

    Pensacola, Florida, United States Escambia County Sheriff-Florida Full time

    Salary: $40, $60,611.20 Annually Location: Pensacola, FL Job Type: Full-Time Shift Job Number: 00639 Division: Administration Division General OverviewThis job posting is intended for the recruitment of both Cadet (non-certified) and Deputy Sheriff (certified) roles. Your placement in the appropriate classification and salary will be determined based on your...

  • Special Assets Management Officer

    1 week ago

    Pensacola, Florida, United States Linscomb & Williams Full time

    OverviewThe Special Assets Group ("SAG") was established to support the Bank's primary lending personnel with commercial accounts transitioned to SAG, ensuring a uniform resolution process, addressing workout possibilities, managing collection strategies, overseeing the sale of foreclosed assets, and providing consistent and timely reporting.Key...

  • Commercial Roofing Estimator

    1 week ago

    Pensacola, Florida, United States Quality Roofing Solutions LLC Full time

    Job DescriptionPosition Overview:The Commercial Estimator plays a crucial role in ensuring the accuracy and reliability of estimates for new construction and re-roofing projects within our commercial roofing division. This position involves leading the interpretation of architectural plans and facilitating effective communication with suppliers to manage the...

  • Commercial Roofing Estimator

    1 week ago

    Pensacola, Florida, United States Quality Roofing Solutions LLC Full time

    Job OverviewPosition Summary:The Commercial Estimator plays a crucial role in guaranteeing the accuracy and reliability of estimates for new construction and re-roofing projects within our commercial roofing sector. This position involves leading the interpretation of plans and ensuring effective communication with suppliers throughout the process from bid...

  • Law Enforcement Officer Trainee

    1 week ago

    Pensacola, Florida, United States Escambia County Sheriff-Florida Full time

    Compensation: $40, $60,611.20 Annually Position Type: Full-Time Shift Job Classification: 00639 Department: Administration Division OverviewThis job posting is intended for the recruitment of both Cadet (non-certified) and Deputy Sheriff (certified) roles. Depending on your qualifications, application details, and responses to application inquiries, you will...

  • Financial Analyst II

    5 days ago

    Pensacola, Florida, United States Baptist Health Care Full time

    Job Overview The Financial Analyst II plays a crucial role in overseeing the fixed asset management system, ensuring accurate general ledger journal entries, and managing all activities related to fixed assets, including acquisitions and disposals. This position collaborates with departmental leaders throughout the capital budgeting process, guarantees...

  • Security Officer

    2 days ago

    Pensacola, Florida, United States Commander, Navy Installations Full time

    Job SummaryThis is a public notice flyer to notify interested applicants of anticipated vacancies in the security field. To be considered, applicants must follow the directions in the "How to Apply" section of this flyer.Key Responsibilities:Perform foot or vehicle patrol of perimeters, roadways, parking, and other high traffic areas to confirm the entry...

  • Advanced Security Systems Installer II

    1 week ago

    Pensacola, Florida, United States Allied Universal® Technology Services Full time

    Job OverviewJoining Allied Universal® Technology Services means becoming part of one of North America's rapidly expanding security systems integrators. We provide a vibrant, fast-paced, and diverse work environment that integrates cutting-edge technology solutions—such as electronic access control, video surveillance, alarm monitoring, emergency...

  • Advanced Pharmacy Resident II

    1 week ago

    Pensacola, Florida, United States Baptist Health Care Full time

    Position OverviewThe Pharmacy Resident II is a critical role within our healthcare organization, focusing on delivering comprehensive pharmaceutical care across various learning experiences and service components. Key ResponsibilitiesThis position entails: Achieving all outlined goals and competencies necessary for the residency program. Serving as a...

  • Cybersecurity Systems Officer

    1 week ago

    Pensacola, Florida, United States SAIC Full time

    Position OverviewThe role of the Information Systems Security Officer (ISSO) involves engaging in critical information assurance and cybersecurity tasks within a dedicated work environment. This position supports advanced computing systems and innovative solutions addressing a variety of technical challenges associated with classified initiatives.Key...

  • Operations Supervisor

    1 week ago

    Pensacola, Florida, United States Office Pride Commercial Cleaning of Pensacola Full time

    Company Overview: Office Pride Commercial Cleaning of Pensacola has been a trusted provider of cleaning services for over 26 years. Our tailored cleaning solutions, commitment to quality assurance, and dedicated personnel have distinguished us in the industry and fueled our expansion.Compensation and Benefits:Competitive hourly wage, paid weeklyCompany...

  • Advanced Pharmacy Resident II

    1 week ago

    Pensacola, Florida, United States Baptist Health Care Full time

    Position OverviewThe Pharmacy Resident II is a pivotal role within the organization, dedicated to delivering comprehensive pharmaceutical care across various learning experiences and service components. This position is designed to align with current regulations and standards in the healthcare field. Key ResponsibilitiesThis role encompasses the following...

  • Patient Services Representative II

    1 week ago

    Pensacola, Florida, United States West Florida Medical Center Clinic PA Full time

    Job OverviewPOSITION SUMMARYUnder the supervision of the MedPro ASC Supervisor, the ASC Patient Services Representative II is tasked with overseeing pre-certification processes and managing patient admissions efficiently.KEY RESPONSIBILITIESAlways identify yourself to both internal and external clients by displaying your identification badge.Welcome patients...

  • Communications Watch Officer

    1 month ago

    Pensacola, Florida, United States General Dynamics Information Technology Full time

    Req ID: RQ182243Type of Requisition: RegularClearance Level Must Be Able to Obtain: SecretPublic Trust/Other Required: NoneJob Family: Field EngineeringSkills:Electronic Mail,Technical Support,TroubleshootingCertifications:CompTIA - Security+ CE - CompTIAExperience:5 + years of related experienceUS Citizenship Required:YesJob Description:Transform technology...

  • Security Officer

    5 days ago

    Pensacola, Florida, United States Allied Universal® Full time

    Job OverviewAllied Universal, a premier provider of security and facility services in North America, offers fulfilling career opportunities that instill a sense of purpose. Join a vibrant, diverse, and inclusive workplace where you will contribute to a culture that positively impacts the communities and clients we serve. We provide comprehensive benefits...

  • Sales Branch Manager

    1 week ago

    Pensacola, Florida, United States D.R. Horton Full time

    D.R. Horton, Inc., a prominent home construction firm in the United States, is in search of a Branch Sales Manager for their Financial Services Branch Division. The successful applicant will be responsible for guiding Loan Officers to meet branch and organizational objectives.Deliver sales mentorship to Loan OfficersAnalyze various performance reportsTackle...