AVP/Commercial Lending Officer
3 weeks ago
Title: Commercial Lending Officer
Department: Lending
Reports to: EVP/Chief Lending Officer
Status: Exempt
Summary:Develops and manages commercial loan accounts that meet established lending requirements and provide maximum profitability to the Bank at minimum risk.
Primary Responsibilities and Duties:- Interviews loan applicants, and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.
- Underwrites loans, establishes, and negotiates where necessary, terms under which credit will be extended, including the costs, repayment method, and schedule and collateral requirements.
- Approves loans within authorized limits and serves as a contact officer on loans above limit. In general, handles the more complex and substantial department loans.
- Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interview, and other means.
- Monitors loan repayment activities and takes necessary action to collect from past-due accounts.
- Advise customers, where possible, concerning business management and financial matters.
- Develops new business by contacting prospects and customers, cross-sells Bank services.
- Serves as member of loan committee, which makes preliminary evaluations of loan requests.
- Develops material for and makes loan presentations to the executive committee where required.
- Participates in community affairs to increase the Bank’s visibility and to enhance new business
opportunities.
- Serves as a contact officer for non-borrowing accounts and loan customers for matters relating to other Bank services.
- Undertakes special projects relating to departmental services as assigned by Senior Lender.
- Performs other duties as assigned.
- A thorough knowledge of commercial lending criteria and the business objectives of the lending department. Strong analytical skills to conduct commercial appraisal/income evaluations. Good interpersonal, verbal, written, and presentation skills to represent the Bank and effectively negotiate/present commercial lending deals to borrowers, and board/committee members.
- The flexibility to work irregular hours when inspecting and evaluating prospective deals.
- Completion of a formalized credit training program strongly preferred.
- Bachelor’s degree required; Advanced degree preferred.
- Five to seven years of progressively greater responsibility and experience in the commercial lending area is a must.
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