Commercial Loan Officer

Job Description

Job Description

Commercial Loan Officer/Business Banker

Bank of the Orient is an independent Asian Community Bank that has proudly served the financial needs of multiple San Francisco Bay Area communities for over 55 years and Texas. We are well known for our commitment to providing the highest level of personal service to our customers; we take a personal interest in our communities' unique banking needs, we are dedicated to providing integrity in banking and financial services, we provide high quality dependable service by being accessible and reliable. We are committed to excellence in everything we do.

We are currently seeking an enthusiastic individual for the Commercial Loan Officer/Business Banker position. The Ideal candidate should have a successful track record in developing and generating small business loan/SBA loan, C&I, mortgage, commercial loans, home equity lines, and deposits. Successful candidate will have strong knowledge in underwriting, and standard bank lending practices. Candidate will be responsible for performing duties and activities associated with generating, developing, retaining, expanding, maintaining and servicing customer relationships with mortgage loans, commercial loans, C&I, small business loans, home equity lines, and deposit accounts. The loan officer is also responsible for identifying direct sales opportunities for individual goal achievement and referral opportunities. This position incorporates a needs based sales approach through customer relationship management practices established by the bank.

Responsibilities:

· Supports the Bank’s sales objectives and campaigns by originating or expanding commercial, C&I, small business, and home equity loans by interviewing and profiling applicants, determining financial needs, advising and counseling new and existing customers on appropriate structuring of financial products to meet their needs.

· Negotiates loan type, terms and conditions within established guidelines. Ensures all loan documentation is accurately completed.

· Identifies sales and service opportunities, develops and implements tactics included in individual and branch market plans to attract new customers, retain and expand existing relationships through sales process activities.

· Activities include but are not limited to: profiling customers and prospects, maintaining an effective calling program, networking, telemarketing, direct mailing, cross-selling of additional products.

· Creates and updates customer profiles with current, accurate and useful information. Uses the information to develop, expand and document customer relationships. The Business Banker should be familiar with the utilization of the Bank's customer/prospect tracking system.

· Responsible for attainment of assigned product, service, revenue and sales goals.

· Exhibits ability to provide all elements of customer service/interaction, selling skills and knowledge of all bank products and services.

· Resolves unusual or non-routine inquiries to ensure customer satisfaction, ensures positive public perceptions of the bank by extending a courteous greeting and welcome to customers and visitors and by providing accurate and timely customer service.

· Attends civic, cultural and community events to maintain communication links and promote the Bank and its services.

· Stays up to date on the trends of the financial services industry, and uses knowledge of field to target clients for the Bank's financial services.

· Actively works with customers to understand each customer’s normal account activity.

Requirement

Bachelors degree in Business, Finance, or related field or certification in related discipline prefer. Minimum 6 years increasingly responsible experience in business development of SBA loan, commercial, real estate, and consumer lending. Minimum 6 years in sales and marketing experience. Must know and understand the regulatory environment and how the lending function fits in that environment. Full knowledge of lending principles, practices and services in banking. Excellent oral communication skills with the ability to develop excellent business development initiatives and build concrete customer relationships. Ability to define problems, analyze data, and design and implement solutions to enhance the Bank’s sales culture. Excellent written communication skills, and the ability to clearly and concisely express analytical conclusions and recommended actions with tact and diplomacy. Ability to use knowledge, experience, discretion and independent judgment in solving problems and answering questions in a fast-paced, changing environment.

Bilingual Chinese Speaking Preferred

Visit our website at: for additional information.

Candidate will be subject to investigation through credit checks, reference checks, background checks and fingerprinting checks performed at the time permissible under relevant law.

Bank of the Orient is proud to be an Affirmative Action, Equal Opportunity Employer.