Commercial Lending Specialist

2 weeks ago


Columbia, South Carolina, United States Central Bank Full time
Job Overview

As a Commercial Lender at Central Bank, you will be responsible for overseeing a diverse portfolio of commercial loans. Your role will involve engaging with clients to understand their financial needs and ensuring the quality and profitability of the loan offerings.

Key Responsibilities
  • Manage a portfolio of commercial loans, conducting outreach to potential clients and ensuring the financial health of the loan portfolio.
  • Evaluate loan applicants by analyzing their business requirements, financial statements, and collateral.
  • Make informed lending decisions within your authority and seek necessary approvals for larger loans.
  • Continuously monitor the quality of accounts and recommend necessary actions to mitigate risks.
  • Actively engage in the bank's sales initiatives, providing referrals and striving to meet established sales targets.
  • Stay updated on compliance regulations and maintain a high standard of professionalism in all customer interactions.
Qualifications
  • A Bachelor's degree in Business Administration, Finance, or Accounting is required.
  • A minimum of three years of experience in commercial lending or credit analysis.
  • Strong analytical abilities, particularly in assessing financial statements and evaluating loan risks.
  • Capability to make independent decisions and manage sensitive information with discretion.
  • Comprehensive understanding of banking products and services.
  • Exceptional communication skills and a strong focus on customer relations.
  • Excellent organizational skills, attention to detail, and a readiness to take on additional responsibilities as needed.


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