Commercial Lending Officer

P osition: Commercial Lending Officer

  Supervisor: Chief Lending Officer

  Job Brief: The full-time position of Commercial Lending Officer examines, evaluates, and authorizes or recommends approval of customer applications for commercial loans by performing the following duties.

  Essential Functions:

 Develops, manages, maintains and grows sound and profitable commercial banking relationships to meet or exceed sales production goals including loans, deposits and fee income.

1. Identifies and structures lending opportunities using SBA 7(a) and 504 programs when appropriate.
2. Develops and maintains a solid presence in the community by frequently attending business development and networking functions outside of the bank to develop strong relationships to drive referrals and deal flow
3. Promotes and cross-sells other establishment products and services as appropriate to customer needs
4. Actively participates in and oversees the credit management process from application through closing and ongoing credit relationship management.
5. Interviews prospective applicant to determine commercial loan and banking solutions and gather pertinent information for loan request.
6. Submits application to credit analyst for verification and recommendation.
7. Identifies and analyzes potential loan markets to develop prospects for commercial loans.
8. Facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
9. Approves loans within specified limits or presents loan request to the appropriate loan committee for approval.
10. Ensures loan agreements are complete and accurate according to policy.
11. Assures timely loan closing and funding activities.
12. Complies with all regulations and bank approved policies and procedures.
13. Ensures timely collection of all own- portfolio loans, including pursuing all collection and credit improvement activities on past due and problem loans.
14. Pursues correction of all documentation or other exceptions on all own-portfolio loans.
15. Participates in and completes all training/education available in a timely manner to stay abreast of the demands and requirements of the position.
16. Maintains regular and predictable attendance.
17. Performs other duties as assigned, including assisting and supporting other departments as needed.

  Education Required: Bachelor’s degree in accounting/finance or related field.

  Practical Experience:  

1. A minimum of ten (10) years’ banking experience gaining strong marketing skills, the ability to close loans, and proper preparation of loan packages for loan committee and loan funding.
2. Strong, proven loan relationship and credit management skills, including seasoned skills in the active management of problem and workout loans.
3. Advanced computer skills including the use of MS Excel and MS Word and other software used by the Lending Department.
4. Prior SBA lending experience a plus but not required.

  Supervision Received:

• Minimal supervision from supervisor.
• Loan packages are reviewed before being presented to loan committee.

  Qualifications : To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

• Must be able to embrace and exemplify the Ozona Bank’s core values.
• Must be able to work independently and work closely with others.
• Must be able to stay abreast of job knowledge by participating in educational opportunities such as: reading professional publications, maintaining personal networks, and participating in professional organizations.

• Must be able to communicate clearly and effectively, both orally and in writing.
• Must be able to organize data and to perform, review and clearly explain independent analyses.
• Must have computer skills including Adobe, MS Office Suite
• Must have attention to detail and excellent judgment and use of discretion.
• Must have excellent organizational and time management skills with the ability to set and adjust priorities.
• Must be a self-starter who demonstrates superior professionalism and integrity, good business judgment, a positive action-oriented attitude, and a strong work ethic; and
• Must be able to pass background and credit screening process.

  Responsibilities:

• The successful employee must be capable of instructing, maintaining standards, and coordinating activities.
• The successful employee must be capable of producing and maintaining a loan portfolio in compliance with Bank Policy.
• The employee should maintain a cooperative working relationship with co-workers.

  Aptitudes Required - This position requires the following levels of aptitudes:

  Reasoning Development - must be able to apply principles of rational systems to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Interpret a variety of instructions furnished in written, oral diagrammatic, or schedule form.

 Language Development – must speak and write English fluently, at a level that would normally apply to a person capable of reading scientific briefs or technical magazines with excellent comprehension; able to write reports and correspondence using proper format, punctuation, spelling and grammar. The ability to speak a second language such as Spanish is desirable.

  Math Development - must be able to solve mathematical problems using techniques such as addition, subtraction, multiplication and division. Capable of using and understanding various financial formulas