COMMERCIAL LENDER

Job Summary:

RELOCATION ASSISTANCE AVAILABLE

This role is responsible for developing and strengthening business relationships, providing commercial banking services and an array of credit and non-credit products, including deposits, cash management, treasury products, to corporate clients in a variety of business segments (Commercial & Industrial, Government, Institutional, Real Estate and Commercial Mortgage). The position is also responsible for executing commercial banking activities including large and complex transactions, providing advice regarding the structuring of debt, including finance and line of credits.

Essential Duties & Responsibilities:

Interviews applicants to determine loan requirements and gathers pertinent information for loan applications.
Requests applicant credit reports, background checks, reference checks and other information pertinent to loan applicant’s evaluation.
Analyzes applicant’s financial status, credit, and asset evaluation to determine feasibility of granting loan, establishes credit limit through written and/or oral assessment.
Resolves uncertainties relating to customer application information through inquiries with applicant or creditors.
Structure loans within loan policy. Approves loan within specified limits or champions loan opportunities to the credit department and/or Committee for proper approval.
Prepares financing proposals consistent with approval for presentation to the applicant.
Reviews loan documentation prior to closing for completeness and acceptance by the applicant.
Ensures timely loan closing and funding activities.
Maintains a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations.
Participate in community and professional organizations and events.
Manage loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring.
Uses experience and sound judgment to plan and accomplish goals.

Minimum Requirements:

Bachelor's Degree in Finance or Accounting with normal credit training; some supervisory experience desirable.
Familiarity with relevant compliance and tax laws and a strong knowledge of MS Office programs, such as WORD and EXCEL.
Ability to understand client's financial goals and write effective Credit approval Memorandums and other business presentations.
Excellent written and verbal communication skills with strong interpersonal skills are required.

COMMERCIAL LENDER

Job Summary:

Essential Duties & Responsibilities:

Minimum Requirements:

Apply Now