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Commercial Loan Officer II
PLACE DEFINITION The Commercial Loan Officer II is in charge of supplying expert commercial financing solutions to current and potential bank customers. The Commercial Loan Officer II is anticipated to obtain their specific manufacturing and consumer calling objectives and correctly handle their assigned loan profile.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus at the least 3 – 5 years of progressively responsible Commercial experience that is lending. Trustworthiness and sensitiveness are necessary. Experience competencies needed include, but they are not limited to: ? capacity to underwrite credit demands, 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 ? power to assess and grade credit danger, debt service capacity and ratio analysis ? Good knowledge of monetary statements including stability sheets, earnings statements and declaration of cash flows ? exemplary relationship building and interpersonal skills ? Strong consumer focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exceptional verbal and written interaction abilities ? exceptional proofreading skills with a solid awareness of detail ? capacity to work both separately so when a team player ? Practice perfect ethical behavior and knows the necessity for confidentiality ? i . t knowledge is an advantage. ? will need to have legitimate driver’s permit and usage of a vehicle that is insured
Should have a general comprehension of Bank operations and regulatory conformity, such as the Bank Secrecy Act.
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RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will continue to work closely with all the Commercial Team Lead and Commercial Banking Manager to control current financing clients and develop brand brand new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II is going to work closely with all the Bank’s Credit Analysts to aid in analysis of credit demands and preparation of Credit Write ups.
Outside Bank Position keeps regular and close working relationship with a number of facilities of impact, community leaders and company specialists.
POSITION DUTIES
Responsibility # 1 Loan Production and Maintenance
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 superior quality asset base and help in collection of overdue loans
Negotiate renewals of credit facilities. Suggest approval of loan 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, techniques, and projections, in addition to, historical monetary statements and business outcomes
Talk with existing clients and leads through different solutions to talk about company needs and suggest ways the financial institution can offer solutions
Make use of Credit Analysts to accurately review prospective debtor requests and coordinate processing of approved loans
Test loan that is financial and prepare yearly term loan reviews
Ensure all loan documents are correct, finalized and recorded/perfected.
Ensure all supporting documents is complete and signed whenever necessary.
Responsibility # 3 Start Up Business Developing / Community Outreach
take part in business development tasks and get brand brand new quality that is high and deposit company to reach 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 companies.
Sound Community Bank is an opportunity that is equal and all sorts of qualified candidates will get consideration for work without reference to battle, color, faith, intercourse, nationwide beginning, intimate orientation, sex identification, disability status, protected veteran status, or just about any other characteristic protected for legal reasons.
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