Commercial Loan Officer

Manages a portfolio of all types of loan/depository accounts and is responsible for prospecting new customers and cross‑selling other banking services. Compensation Compensation: $110,000 - $150,000 Annually Responsibilities Prospects new customers and solicits new loans, cross‑selling other banking services to new and existing customers. Maintains ongoing customer contact to ensure good customer relations. Performs on‑going management of a portfolio of all types of account relationships, including account reviews, problem solving, research and follow‑up to internal account errors. Interviews loan applicants to gather and evaluate financial and related data to establish credit worthiness and monitors customers’ financial condition. Reviews and approves or denies loan requests to new or existing customers up to a pre‑determined limit, prepares action memos for management review, and presents credits exceeding authority to the loan committee; serves and votes as a member of the bank loan committee. Provides guidance to subordinate lending officers on lending decisions and managing accounts; monitors loan repayment activities and takes necessary action to collect past‑due accounts. May participate in preparation of department budget, goals and objectives and strategic planning. Participates in civic and community organizations, representing the bank, but following personal interests; attends customer and bank‑sponsored events. Performs other related duties as assigned by management. Maintains regular and reliable attendance. Knowledge, Skill, and Abilities Knowledge of commercial lending procedures. Knowledge of general banking principles and banking. Knowledge of sales and marketing practices and principles. Skill in communicating with clients and co-workers in a courteous and professional manner. Skill in operating computer terminals and printers. Skill in pricing loans. Ability to maintain a high level of confidentiality. Ability to problem‑solve. Ability to make sound decision using information at hand. Ability to demonstrate accuracy and efficiency in a fast‑paced environment. Ability to function as a team player. Education and Experience College degree preferred. Prior commercial lending experience preferred. Benefits 8 paid holidays. 17 PTO days each year for the first five years of employment (employees must complete 90‑day introductory period prior to accruing PTO). 16 hours of paid sick time upon hire date. Health, dental, prescription drug card, vision, and voluntary life insurance plans. Health savings account with employer contributions. Flexible medical and dependent care spending plans. 401(k) plan after 3 months and start of next quarter with employer contributions and profit sharing. $50,000 group term life insurance. Long‑term disability insurance and employee assistance program. If working less than 35 hours per week, above benefits are modified. #J-18808-Ljbffr