Commercial Banker II

Commercial Banker II

The position is responsible for the development and maintenance of profitable commercial banking client relationships. Make and service a variety of secured and unsecured business loans or lines of credit. May receive assistance from senior officers in credit extensions above his/her authority, or for complex credits, but will handle most loans and customers independently. Obtain and direct analysis of financial data. May also provide other banking services as needed by customers.

Specific Job Functions (Duties/Responsibilities):

• Solicit, originate, underwrite and approve Small Business and Commercial Loans, Mortgage Loans and Leases within assigned authority and present recommendations to Loan Committee for higher amounts.
• Make sound credit decisions based on Bank lending policy.
• Analyze and underwrite credit requests fully to understand client need and to protect Bank asset quality.
• Insure all loans made or rejected comply with laws and regulations.
• Insure accurate, proper and complete loan documentation on all loans (review all documents completed by loan officer assistant or a closing attorney).
• Administer rates fairly and price according to bank policy for risk and credit quality.
• Develop business through an active calling program and community involvement.
• Proactively manage and service both new and existing (or assigned) loan portfolios to ensure a minimum of delinquencies, substandard loans and documentation exceptions.
• Perform other duties as assigned.

Job Requirements:

Knowledge/Skills/Abilities Required:

• The ability to schedule, prepare for and conduct professional business development calls on customers and prospects. Ability to organize and schedule daily appointments.
• Ability to analyze commercial and small business financials and tax returns, and to underwrite loan requests.
• Knowledge of the types of loans and loan documentation utilized at Southern Bank.
• A thorough working knowledge of Southern Bank lending policy.
• Knowledge of applicable lending laws and regulations.
• Ability to work with limited supervision, and seek assistance as needed.
• Personal credibility and the ability to sell Bank products and services.
• Strong oral and written communications skills.

Education/Experience Requirements:

• Bachelor's degree in business or a related field.
• Typically a minimum of ten years of experience originating and/or underwriting commercial loans, small business loans; mortgage loans and leases.
• Experience with not-for-profit and/or government guaranteed lending (I.E. SBA Loans, Tax Credit lending, Farm Service Ag Loans, Churches, Rural Fire and EMT Stations, etc) preferred.