Commercial Loan Officer II
POSITION DEFINITION The Commercial Loan Officer II is in charge of supplying expert lending that is commercial to current and potential bank consumers. The Commercial Loan Officer II is anticipated to accomplish their specific manufacturing and consumer calling objectives and correctly manage their assigned loan profile.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus no less than 3 – 5 years of progressively responsible Commercial Lending experience. Trustworthiness and sensitiveness are crucial. Experience competencies required consist of, but are not restricted to: ? capacity to underwrite credit needs, determine appropriate loan framework and current proposed loan needs for approval ? Prepare expert Credit Write- Ups for review by Commercial Team Lead, Credit management and Loan Committee for approval ? capacity to assess and grade credit danger, financial obligation solution ability and ratio analysis ? Good knowledge of monetary statements including stability sheets, earnings statements and declaration of cash flows ? exceptional relationship building and social skills ? Strong client focus ? Strong payday loans in Nevada organizational and multi-tasking abilities in a fast-paced environment ? exemplary verbal and written interaction abilities ? exceptional proofreading abilities with a solid focus on detail ? capacity to work both individually so when a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? Information Technology knowledge is an advantage. ? should have legitimate driver’s permit and usage of an insured car
Will need to have a general understanding of Bank operations and regulatory conformity, such as the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will be able to work closely because of the Commercial Team Lead and Commercial Banking Manager to control lending that is existing and develop brand new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II will continue to work closely because of the Bank’s Credit Analysts to aid in analysis of credit needs and planning of Credit Write ups.
Outside Bank Position keeps regular and close working relationship with a selection of facilities of influence, community leaders and company experts.
PLACE DUTIES
Responsibility # 1 Loan Production and Upkeep
Originate, underwrite, and solution a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate
Track current loan portfolios to keep a top quality asset base and help out with number of delinquent loans
Negotiate renewals of credit facilities. Suggest approval of loan re re re payments, construction draw requests, draws from personal lines of credit and funds transfers with specified restrictions
Responsibility # 2 Credit and Borrower Review
Screen prospective borrowers that are commercial analyzing their business strategy, methods, and projections, in addition to, historical financial statements and company outcomes
Talk with current clients and leads through different techniques to talk about company requirements and suggest ways that the Bank can offer solutions
Utilize Credit Analysts to accurately review potential borrower requests and coordinate processing of approved loans
Test loan that is financial and prepare yearly term loan reviews
Ensure all loan papers are correct, recorded/perfected and signed.
Ensure all supporting documents is complete and signed whenever necessary.
Responsibility number 3 Home Based Business Developing / Community Outreach
practice company development tasks and obtain brand new top quality loan and deposit company to produce volume and/or manufacturing objective
Express SCB at different community functions and professional/civic groups to further enhance the Bank’s image and presence
Responsibility # 4 Continuing Education
Update work knowledge by taking part in academic possibilities, keeping networks that are personal taking part in expert businesses.
Sound Community Bank is an opportunity that is equal and all sorts of qualified applicants will get consideration for work without reference to competition, color, faith, intercourse, nationwide beginning, sexual orientation, sex identity, impairment status, protected veteran status, or other characteristic protected for legal reasons.
