COMMERCIAL LOAN OFFICER
Liveinenid
- # Description**Summary:** This position is responsible for developing a loan portfolio as well as promoting the Bank and its other services available to potential customers. This position will evaluates and recommend approval of customer applications for consumer, commercial and agricultural loans, generate referrals and develop relationships with new and existing clients. This position will be responsible for helping to manage the portfolio of the branch and assist with credit analysis of new clients.**Essential Duties and Responsibilities include the following: (Other duties may be assigned)*** Adheres to Loan Policy and Procedures set forth by the bank.* Gather pertinent information for loan application, interview applicant to determine loan requirements, and requests applicant credit reports, reference checks, and other information relevant to evaluating credit.* Analyzes applicant financial status, credit, and asset evaluation to determine feasibility of granting loan.* Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.* Ensures loan agreements are complete and accurate according to establishment policy.* Assures timely loan closing and funding activities.* Identifies and analyzes potential loan markets to develop prospects for consumer loans.* Advises loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations.* Promotes and cross-sells other establishment products and services as appropriate to customer requirements.* Develops credit summary information for use by lending officers or committees in making lending decisions on new, renewal, and extension loans.* Reviews all pertinent credit and financial information, including reporting services, credit bureaus.* Determines the need for more thorough investigation or additional information, and contacts appropriate sources for such information.* Analyzes financial statements (historical, budget, and projected financials) and related materials.* Prepares summary, presents facts, and offers opinions concerning credit worthiness and ability to service debt to loan officers or committees.* Periodically reviews all credit, loan and collateral files to ensure that information is current and reports any difficulties to the loan officers. Monitors files to assure that up-to-date financial statements, accounts receivable, aging and other items are available for all credits requiring such information and reports to the interested party.* Assist in other credit risk management functions such as loan review, construction loan monitoring, borrower base review, and other related items.## Qualifications**Education and/or Experience**Bachelor's degree in a related field, such as finance or business administration; or three-five years related experience in a commercial credit analyst role and/or training; or equivalent combination of education and experience. Preferred previous experience with CRE and C&I with demonstrable understanding of CAPEX, EBITDA, CAP rate and other financial analysis functions.**Ability**Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.**Skills**Ability to read, analyze, and interpret technical procedures and/or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from other employees, customers and the general public. Ability to calculate basic math figures and amounts. Ability to apply concepts of basic algebra and geometry. To perform this job successfully, an individual should have knowledge of Microsoft Internet Explorer and Microsoft Office software.**Physical Demands**This position may require long periods of standing or sitting and may include long periods of typing and repetitive motion. Candidates must possess the ability to lift and carry cash drawers, coin bags, and boxes sometimes weighing as much as 25 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.**Work Environment**The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The environment would be consistent with a typical business office with moderate noise, services open to the public and the ability to work in a confined area typically indoors.All employees are required to attend training as required by GPNB as well as support the overall compliance program by complying with all laws, policies and procedures.We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state or location protected class.
- J-18808-Ljbffr Liveinenid
Vacancy posted 2 days ago
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