Commercial Lender

Overview Job Description: Commercial Lender Summary: Responsible for developing new business, underwriting, structuring and closing of commercial loans, as well as maintaining and servicing a commercial loan portfolio. Represent the bank in its market area through active participation in community affairs. Role and 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. Qualifications and Education Minimum of 2 years’ experience in Commercial Lending Bachelor’s Degree in Business Administration or related area. Ability to generate $3-5 million in new loan growth. Skills Required Applicant should be able to exercise good judgment in establishing and maintaining working relationships, solve problems, and be able to deliver a high level of accuracy, focus and timeliness with limited supervision. Strong written and verbal communication skills are required along with a proficiency in Microsoft Office Suite of Programs/Products. Must have the ability to read, analyze, and interpret policies, contracts, credit and financial documents as well as other legal documents as needed. Ability to present, sell and service bank products as well as demonstrate professional knowledge of commercial lending. Strong analytical and mathematical capabilities as well as an understanding of credit underwriting and loan documentation. #J-18808-Ljbffr