Sound Community Bank: Commercial Loan Officer II. Will need to have a general knowledge of Bank operations and compliance that is regulatory such as the Bank Secrecy Act.
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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 attain their production that is certain and calling objectives and correctly 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 sensitivity are necessary. Experience competencies required consist of, but are not restricted to: ? capacity to underwrite credit needs, determine appropriate loan structure and current loan that is proposed for approval ? Prepare professional 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 service capability and ratio analysis ? Good knowledge of monetary statements including stability sheets, earnings statements and declaration of cash flows ? exemplary relationship building and social skills ? Strong consumer focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exceptional verbal and written interaction abilities ? exceptional proofreading abilities with a solid focus on detail ? capability to work both independently so when a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? i . t knowledge is a bonus. ? should have valid driver’s license and usage of a vehicle that is insured
Should have a broad knowledge 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 utilizing the Commercial Team Lead and Commercial Banking Manager to handle lending that is existing and develop brand brand new customer relationships to attract future financing opportunities when it comes to bank. The Commercial Loan Officer II will continue to work closely aided by the Bank’s Credit Analysts to help in analysis of credit demands and planning of Credit Write ups.
Outside Bank Position keeps regular and close working relationship with a selection of facilities of impact, community leaders and business 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 steadfastly keep up a top quality asset base and help out with number of overdue loans
Negotiate renewals of credit facilities. Suggest approval of loan 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 company plan, techniques, and projections, in addition to, historical monetary statements and company outcomes
Talk with current customers and leads through different solutions to talk about business requirements and suggest ways that 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 documents are correct, recorded/perfected and signed.
Ensure all supporting documents is complete and signed whenever necessary.
Responsibility #3 Start Up Business Developing / Community Outreach
participate in company development tasks and get new top quality loan and deposit company to obtain volume and/or manufacturing objective
Express SCB at different community functions and groups that are professional/civic 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 can be an equal opportunity boss and all sorts of qualified candidates will receive consideration for work without reference to competition, color, faith, intercourse, nationwide beginning, intimate orientation, sex identification, impairment status, protected veteran status, or just about any other characteristic protected for legal reasons.
