Commercial Lender

Job Description

Job Description

JOB SUMMARYWe have exciting opportunities for a Commercial Lender. Responsible for originating, underwriting and closing Commercial Loans and managing a loan portfolio in accordance with Bank policies and regulatory lending guidelines along with developing, maintaining and servicing loan customers and cross selling of bank products to expand existing and new relationships. As well as providing community involvement in roles deemed necessary for future professional growth and maintaining the Bank's image as a Community Bank. DUTIES AND RESPONSIBILITIESCall on existing customers to retain and expand relationshipsDevelop new customers and prospects to achieve individual goalsInterview prospective customers to understand their loan request and businessProvide financial consultation and analysis to assist customers in determining their borrowing capacityGather financial statements, analyze the loan request and physically inspect collateralStructure and price the loan within the Bank's underwriting and pricing guidelinesUnderwrite loan files through evaluation of appraisals, title insurance, credit reports and other loan specific criteriaRespond promptly to underwriting questions or additional documentation while loan request is in Credit to minimize the turnaround time from loan request to closingReview and familiarize themselves with policy and procedure changes to ensure they are in complianceReview loan presentations for accuracy and compliance with Loan Policies and pricing guidelines prior to submitting for approvalApprove loans within their lending limitsMake recommendations of loans for approval under bank policy and pricing guidelinesReview loan documents, thoroughly, prior to the borrower signing to ensure accuracy and all required loan documents are includedActively participate in Officer Loan Committee with questions and suggestions to improve credit requests and voting promptlyMaintain past dues at an acceptable level by actively collecting on past due loansAccurate timing of loan renewals with review of risk, rates and feesTimely collection of updated financial information for existing customersCollect on expired insuranceParticipate in social, service & community organizationsExpand banking relationships from Transactional to Primary by promoting and explaining other bank products and through joint calling efforts with other lines of businessLeverage Centers of Influence and existing relationships to expand their prospect calling activityEnter sales calls and referrals in Salesforce promptly so all calls for the month are entered by month endRemain current with all compliance testing by completing assignments on or prior to the due dateOther duties as assignedRELATIONSHIPS AND CONTACTSHigh degree of interaction with Chief Business Banking Officer, Business Banking Team Leader, Business Bankers, Business Banking Assistants, customers, prospects, third parties, personnel from loan administration, Credit, and banking centers as it relates to commercial products.Maintain confidentiality of all bank records.QUALIFICATIONSBachelor 's degree in business related field.Annual commercial loan originations consistently at or above the minimum for their levelMust be able to work on multiple projects in a fast- paced environment while never compromising qualityMust be able to work within established standards & guidelinesMust be able to communicate with Chief Business Banking Officer, Business Banking Team Leader, Business Bankers, bank personnel, customers, prospects and third parties.Must be able to work with financial information, analyze data and use prudent judgment when making decisions.Knowledge of bank software: Word, Excel, Microsoft Office, nCino, Salesforce and pricing software.Minimum of 3 to 5 years in banking, Credit or Lending experience preferredAbility to extract and analyze data to identify and resolve exceptionsGoal orientated and proactive individual focused on results set forth by bank's strategic planABOUT USFor over a century, Peoples Bank has served as a cornerstone of customer commitment, helping our communities thrive and continuously supporting our community members. Proudly bearing the Finward name as a Finward Company, our logo symbolizes our unwavering dedication to financial excellence, advanced technology, and elevating the customer journey.Headquartered in Munster, Indiana, Peoples Bank offers an extensive array of consumer, business, and wealth management solutions, alongside cutting-edge digital banking services. With conveniently located Peoples Banking Centers spread across Northwest Indiana and Chicagoland, we uphold a tradition of delivering top-notch performance to our valued residents.At Peoples Bank, we are driven by a passion for fostering success within our customer base and communities. Anchored in our core values of Stability, Integrity, Community, and Excellence, we are committed to building strong partnerships with our customers and communities to help them achieve financial success. Through innovative engagement and technology, we ensure an exceptional customer experience at every turn.For more information on benefits visit the Careers page of our company website at is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.Equal Housing Lender/ Member FDIC

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