Business Development Officer

7 days ago


Columbia, South Carolina, United States Central Bank Full time

Job Summary

Central Bank is seeking a highly skilled Commercial Lender to join our team. As a Commercial Lender, you will be responsible for maintaining and managing a commercial loan portfolio, making sales calls, and ensuring the overall profitability and quality of the loan portfolio.

Key Responsibilities

  • Maintain and manage a commercial loan portfolio, ensuring optimum profitability balanced with acceptable risk.
  • Interview loan applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
  • Evaluate the financial condition of the client, value of pledged collateral, and client's management effectiveness and competency.
  • Make decisions on loans and terms within own lending limits, and confer with Department Manager, Chief Credit Officer, or Senior Loan Committee for approval on loans exceeding established loan limits.
  • Monitor the quality of existing accounts by verifying assigned accounts conform to contract and policy limits.
  • Ensure necessary documentation is completed and request additional data as needed.
  • Recognize unfavorable trends and recommend corrective action.
  • Confer with the appropriate officer(s) on difficult or sensitive issues.
  • Responsible for attaining loan objectives, including origination, outstanding, delinquency, charge-off, fee income, interest income, and return on assets.

Requirements

  • Bachelor's degree in Business Administration, Finance, Accounting, or equivalent combination of education, training, and experience.
  • Three or more years of commercial lending credit experience with detailed knowledge of current bank lending procedures and policies, lending regulations (state and federal), and loan documentation.
  • Knowledge of commercial lending and real estate field, including appraisals, deeds, and lien recording.
  • Strong ability to analyze financial statements and loan risk.
  • Must possess good judgment and ability to make critical decisions independently.
  • Ability to research and solve problems, work independently, handle confidential information, and manage multiple tasks.
  • Thorough knowledge of bank products and services is required.
  • Demonstrated skill in soliciting business for bank deposit products and loan services.
  • Ability to identify client needs, present banking solutions, and bank products.
  • Ability to recognize closing opportunities and retain and grow customer relationships.
  • Excellent verbal, listening, and communication skills.
  • Strong customer relations skills and ability to work with employees and customers in a cooperative manner.
  • Ability and desire to work as part of a team, and with people of diverse backgrounds.
  • Strong organizational skills and attention to detail.
  • Ability and desire to represent Central Bank in the community.
  • Willingness to assume additional responsibilities/duties/projects.


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