Commercial Loan Officer II
PLACE DEFINITION The Commercial Loan Officer II is in charge of supplying expert commercial financing solutions to existing and potential bank customers. The Commercial Loan Officer II is anticipated to attain their particular production and consumer calling objectives and precisely handle 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 necessary. 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 ? capability to assess and grade credit danger, financial obligation solution ability and ratio analysis ? Good knowledge of monetary statements including stability sheets, earnings statements and statement of cash flows ? exemplary relationship building and social skills ? Strong consumer focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exemplary verbal and written interaction abilities ? exceptional proofreading abilities with a powerful focus on detail ? capability to work both individually so that as a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? i . t knowledge is an advantage. ? should have legitimate driver’s permit and usage of an insured car
Need a standard knowledge of Bank operations and compliance that is regulatory like the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will continue to work closely aided by the Commercial Team Lead and Commercial Banking Manager to control current financing clients and develop new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II is going to work closely because of the Bank’s Credit Analysts to help in analysis of credit demands and preparation of Credit Write ups.
Outside Bank Position keeps frequent and close relationship that is working a variety of facilities of influence, community leaders and company specialists.
Responsibility # 1 Loan Production and Upkeep
Originate, underwrite, and solution a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate
Monitor loan that is existing to steadfastly keep up a superior quality asset base and help in number of delinquent loans
Negotiate renewals of credit facilities. Suggest approval of loan re re payments, construction draw requests, draws from credit lines and funds transfers with specified limitations
Responsibility # 2 Credit and Borrower Review
Screen possible borrowers that are commercial analyzing their company plan, methods, and projections, along with, historical monetary statements and company outcomes
Talk with existing clients and leads through different techniques to discuss company requirements and suggest ways the lender can offer solutions
Make use of Credit Analysts to accurately review potential debtor 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 documentation that is supporting complete and signed whenever necessary.
Responsibility no. 3 Start Up Business Developing / Community Outreach
take part in company development activities and obtain brand brand brand new quality that is high and deposit business 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 visibility
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 equal possibility manager and all sorts of qualified candidates will get consideration for work without reference to competition, color, faith, intercourse, nationwide beginning, intimate orientation, sex identification, impairment status, protected veteran status, or other characteristic protected for legal reasons.