Commercial Lender
2 months ago
Kokomo, Indiana, United States
Community First Bank of Indiana
Full time
Job SummaryCommunity First Bank of Indiana is seeking a skilled Commercial Lender to join our team. As a Commercial Lender, you will be responsible for servicing existing and prospective customers, producing a variety of commercial loans, and seeking new accounts through calling efforts, marketing, and referrals.
Key Responsibilities- Commercial Loan Servicing: Monitor an existing commercial loan portfolio to ensure proper risk ratings and early identification of potential problems.
- New Business Development: Source, develop, and underwrite new construction, interim, and permanent financing requests for new and existing customers.
- Bank Profitability: Maximize bank profitability through appropriate pricing of new loan originations, fee income, and selling of all bank products and services.
- Overdraft Management: Conduct a daily review, approval, and disposition of commercial overdrafts.
- Credit Analysis: Negotiate terms, structure loan financing based on risk considerations, and present credits for approval to appropriate levels of authority with the bank as required.
- Customer Relationship Management: Support the bank's strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge.
- Portfolio Management: Maintenance and development of an existing portfolio of approximately 100 commercial clients.
- Business Growth: The ability to continue to grow loan and deposit relationships with existing customers and develop new loan and deposit business with prospective customers.
- Credit Evaluation: Evaluate, authorize, recommend, and approve various types of commercial and commercial real estate loans.
- Borrower Consultation: Consult with borrowers and prospective borrowers to determine and recommend the most beneficial structuring of loan requests.
- Education: Bachelor's degree in finance, business, economics, or related field preferred.
- Experience: Minimum of one to three years of commercial lending experience.
- Skills: Strong credit skills, business development abilities, customer service and sales orientation, relationship management skills, organization and multi-tasking skills, and formal credit training.
Community First Bank of Indiana provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.