Commercial Lending Specialist

3 weeks ago


Waynesboro, Virginia, United States First Bank & Trust Company Full time
Job Summary

We are seeking a highly skilled Commercial Lender to join our team at First Bank and Trust Company. As a Commercial Lender, you will be responsible for developing and maintaining a high-quality and profitable commercial loan portfolio, as well as introducing our products and services to prospective clients.

Key Responsibilities
  • Develop and maintain a profitable commercial loan portfolio by identifying and pursuing new business opportunities, and managing existing relationships with clients.
  • Interview applicants to gather credit and financial information, and determine the acceptability of loan requests.
  • Provide financial advice and guidance to customers, and consult with them to obtain current credit and financial information as needed.
  • Work to attract new loan and business customers by developing and implementing effective business development strategies.
  • Represent the bank in the community to develop business and promote our products and services.
  • Identify and explore business development opportunities within the community through bank customers, business owners, real estate investors, builders, realtors, attorneys, and accountants.
  • Prepare and present loan requests to the loan committee for approval.
  • Manage loan portfolio relating to maintenance, modifications, and renewals on existing credits.
  • Monitor the asset quality of the commercial loan portfolio, including authorizing credit and maintaining appropriate underwriting standards.
  • Adhere to regulatory compliance, governing documentation, record keeping, origination, collection laws, and regulatory reports.
Requirements
  • Five years of experience in a financial institution, loan department, or similar area.
  • Extensive knowledge of lending services and related areas.
  • Good managerial, communication, and public relationship skills.
  • Ability to generate new clients through business development activities.
Benefits
  • Medical, Dental, and Vision Insurance.
  • 401K/ESOP Plan.
  • Life Insurance.
  • Flexible Spending Dependent Account.
  • Long Term Disability Insurance.
  • Group Policies (Accident, Hospital, and Critical Illness).
  • AFLAC Individual Policies (Short Term Disability and Cancer).
  • Leave - PTO, Marriage, and Bereavement.


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