Job description
Position Requirements:
Commercial Lender must possess the following experience and skills.
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Experience and knowledge of lending/loan origination or three or more years of banking experience -
Degree in finance, accounting, or other related business field, or a comparable level of experience and education
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Detail oriented and well organized
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Ability to maintain confidentiality and adhere to the Bank’s privacy policies
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Proficiency with computers and Microsoft software
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Ability to multi-task and produce results
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Strong analytical and problem-solving skills
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Excellent written and verbal communication skills
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Excellent interpersonal and customer service skills
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Business and financial acumen, including financial analysis skills and the ability to read tax statements and financial statements
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Ability to work effectively with employees and departments across the company to manage internal and external customer relationships
Candidates with commercial lending experience are preferred.
Primary Responsibilities:
Responsible for developing, originating and monitoring commercial loan relationships.
Develops a loan portfolio with minimum risk to minimize delinquent accounts.
Interviews loan applicants to determine credit needs and to collect and analyze financial and related information to determine the credit worthiness of the applicants and the merits of specific loan requests. Establishes and negotiates the terms under which credit will be extended, including repayment schedule and collateral requirements within current accepted guidelines. Monitors loan repayment activities and takes necessary actions to collect past due accounts. Manages day-to-day details for commercial relationships, maintains contact with customers and resolves issues. Analyzes financial data related to new and renewal commercial loan requests. Presents facts and offers recommendations to Senior Commercial Loan Officers and/or Chief Lending Officer concerning applicant’s credit worthiness. Prepares documentation and supporting information for credit decision recommendations. Follows up with customers to obtain all
necessary information and clarification on financial analysis materials and resources. Participates in customer and prospect business calls with Senior Commercial Loan Officers. Achieves specific business development goals and makes referrals to other departments as appropriate. Participates in community events to increase the Bank’s visibility and to enhance new business opportunities.
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