Commercial Lender - Banking

The Commercial Loan Officer is responsible for receiving, reviewing, evaluating, and underwriting commercial loan requests. He or she meets with applicants to explain credit policies and to obtain loan information and documentation, monitors and reviews construction and development loans, and helps with collection activities. The Commercial Loan Officer serves borrowers and prospective borrowers promptly and professionally, provides general bank information, cross-sells services, and helps other Commercial Lending personnel as necessary. He or she is responsible for business development and marketing of existing and prospective accounts.

High school diploma or GED required; Bachelor's degree in Business, Finance, or a related field preferred

Three to five years of commercial lending experience required

Understanding of financial analysis and determination of credit worthiness required

Knowledge of Bank lending and collections programs, policies, and procedures required

Active license number with the Nationwide Mortgage Licensing System and Registry or the ability to obtain such

Proven track record of community/civic/trade organization involvement and business development

Able to use financial calculator and related computer applications and business machines

Ensures that customers' requests and questions are promptly resolved

Interviews, takes applications, and processes preliminary documentation on loan requests, discussing loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from customers

Completes lending operations in accordance with established Bank policies and legal requirements

Informs customers of Bank loan policies and services

Analyzes and evaluates loan requests and approves loan within specified limits or prepares written submission for consideration by the Senior Lender, Regional Credit Officer, or Senior Loan Committee if over individual limit

Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problems

Helps review construction loan advances on commercial properties

Conducts property inspections as assigned

Helps with the collection of delinquent accounts

Establishes and maintains effective and professional business relations with customers and trade professionals

Educates customers regarding bank products and services requested and how they can better serve their individual financial needs

May indirectly or directly supervise loan personnel and/or lending assistants, ensuring that high quality work and efficiency in operations are maintained

Attends assigned training sessions and stays current on new procedures and policies

Markets commercial loans and cross-sells other bank products and services

Stays informed regarding changes in lending standards and related legal requirements

Evans Bank at all times and serves as a representative in the community

Evans Bank

Helps other area personnel as required

Completes special projects as assigned

Evans Bank is a community bank and has been since 1904. For many years, we have provided premier banking services to the residents of Southern Idaho and Northern Utah while fostering a working environment for our employees dedicated to teamwork and excellent customer service. If you are a dynamic and customer-driven individual, whether an experienced banker or just beginning your career, we encourage you to

Evans Bank is an Equal Opportunity Employer – veterans/individuals with disabilities. VEVRAA Federal Contractor. Medical Insurance

Dental Insurance

Employee Stock Ownership Plan

Life Insurance

Long-term Disability Insurance

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