COMMERCIAL LENDER (Full-Time)

LOU Louisville, 2305 River Rd, Suite 300, Louisville, KY 40206, USA

Could be a Commercial Lender I, Commercial Lender II, or Commercial Lender III, based on experience

RESPONSIBILITIES

Identify business leads and prospects for future opportunities, including providing general Bank information and cross selling services

Meet with and interview applicants to review and evaluate loan requests, including loan alternatives, credit criteria, interest rates, and necessary loan documentation

Prepare, or assist in preparing with Credit Analysts, written submission for consideration by the appropriate loan approval authority

Structure loans within loan policy

Identify problems or potential problems with credit information and coordinate with the necessary party to resolve the problems

Prepare loan proposals consistent with the loan approval for presentation to applicants

Review loan documents and related closing documentation for accuracy and consistency with approval

Monitor construction loans including budgets, loan advances, conducting property inspections and all related documentation required by loan policy

Manage loan portfolio including renewals, modifications, covenant tracking, financial statement collection, collections, and general portfolio monitoring

Handle more complex loan requests, issues and problems, and refer only the most complex to Commercial Lender III or Commercial Lending Manager

Participate in identifying, measuring, monitoring, controlling and mitigating departmental and enterprise-wide risks

Maintain awareness of and adherence to Bank’s compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks

Deliver a consistent, high level of service within our Service Excellence standards

Other duties as assigned

COMPETENCIES

Interpersonal/Customer Service Skills

Written and Verbal Communication

Ability to understand and follow directions

Adaptable to change

Basic Computer Skills

Organizational Skills/Detail Oriented

Analytical Thinking

Able to Multi-Task or Juggle Priorities

Problem/Situation Analysis

Technical Expertise

Strategic Planning and Decision Making

Creativity

Competency

Leadership/Management Skills

Ability to influence others

Ability to build collaborative relationships

Ability to develop or mentor others

Ability to work as part of a team

EDUCATION - CERTIFICATIONS - WORK EXPERIENCE

At a minimum, employees must obtain a HS Diploma or GED

Bachelor’s degree or equivalent experience as a commercial sales officer preferred

Minimum of 5 years commercial lending experience required

SCHEDULE

Typical office hours are Monday through Friday 8am to 5pm. This position is exempt and full-time. A minimum 40 hours is required per week.

PHYSICAL REQUIREMENTS

This position must be able to remain in a stationary position a maximum of 50% of the time, constantly operate a computer up to 50% of the time and be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information.

TRAVEL REQUIREMENTS

Travel to customers and prospects is expected

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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