Commercial Loan Officer I

4 weeks ago

Reston, Virginia, United States MVB Full time
About MVB

MVB Financial Corp. is a publicly traded financial holding company that provides services to individuals and corporate clients in the Mid-Atlantic region. We are committed to fostering an environment focused on diversity, equity, and inclusion, and we welcome Team Members from all walks of life.

About the Role

The SBL Commercial Loan Officer is responsible for identifying, selecting, developing, managing, servicing, and expanding business relationships for small and mid-size commercial clients. This includes handling new loan originations referred from business partners, including commercial lenders and retail banking centers. In coordination with MVB's Community Reinvestment Act (CRA) team, the SBL Commercial Loan Officer will be responsible for contributing to the efforts to achieve the Bank's CRA goals and objectives in specific CRA target markets.

Key Responsibilities

* Ensure that the Bank's CRA lending and overall goals are met. Work closely with SVP, Commercial Loan Officer to identify low to moderate income lending opportunities along with CDL (Community Development Lending) and be sure that loan originations are sufficient to meet or exceed annual loan production goals.
* Participate in local community organizations/events that position MVB positively in the community and provide potential CRA lending prospects for MVB.
* Develop and service business loans for business and individual clients within limits of authority;
* Gather & organize leads, potential leads in databases & effectively uses them on a day-to-day basis to generate profitable relationships for the Bank;
* Interviews applicants to develop financial and credit information, to ascertain needs, abilities, earnings, and Bank risk and requests necessary information, such as financial and operating statements;
* Evaluates and extends credit and terms in accordance with policy and lending authority;
* Have the ability to effectively underwrite loans using knowledge of Bank policy and sound commercial underwriting practices;
* Monitors maturing notes, past dues, and client activity to ensure performance is satisfactory;
* Develop a deposit relationship with credit clients and provide deposit referrals to the treasury team;
* Prepares and presents/recommends to a higher authority, individual, or committee any loans in excess of authority;
* Assumes responsibility for proper documentation and review of accounts;
* Monitors loans to ensure complete conformity with terms and to ascertain any developing trends;
* Aggressively calls on potential and existing clients to maintain productivity and profitability in lending and non-lending relationships;
* Keeps abreast of changing business and economic developments which impact the loan portfolio, its profitability, and banking in general;
* Prepares various reports as requested;
* Services delinquent accounts as required;
* Represents Bank through community & professional involvement in groups & associations to develop contacts for potential business;

Requirements

* Bachelor's degree in accounting, finance, economics, or related field, or equivalent work experience;
* Minimum 5+ years of experience in commercial lending, small business lending, loan portfolio management, credit analysis, and/or similar field, depending upon demonstrated abilities;
* Advanced knowledge of credit administration, policy, and procedures;
* Advanced knowledge of economics, accounting, and finance;
* Advanced knowledge of risk analysis and mitigation;
* Excellent communication, data analysis, and presentation skills;

Benefits at MVB

MVB Financial Corp. offers an excellent selection of benefits for regular, part-time and full-time Team Members, including:
* Medical, Dental and Vision Insurance;
* Health Savings Account (HSA), Health Reimbursement Account (HRA) & Flexible Spending Accounts (FSA);
* Short- and Long-Term Disability Plan;
* Group Life Insurance;
* 401K Salary Deferral Plan;
* Wellness Program;
* Education & Tuition Expense Reimbursement;
* PTO and Unique Vacation Purchase Program;
* Nationwide Pet Insurance Coverage;

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) MVB

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