PLACE EXPLANATION The Commercial Loan Officer II is in charge of supplying expert commercial financing solutions to current and potential bank customers. The Commercial Loan Officer II is anticipated to quickly attain their specific manufacturing and client calling objectives and precisely handle their assigned loan profile.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus at the least 3 – 5 years of progressively responsible Commercial Lending experience. Trustworthiness and sensitiveness are crucial. Skill competencies needed consist of, but are not limited to: ? capacity to underwrite credit needs, determine appropriate loan framework and current proposed loan needs for approval ? Prepare expert Credit Write- Ups for review by Commercial Team Lead, Credit management and Loan Committee for approval ? power to assess and grade credit danger, financial obligation solution ability and ratio analysis ? Good knowledge of monetary statements including stability sheets, earnings statements and declaration of cash flows ? exemplary relationship building and social skills ? Strong client focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exceptional verbal and written interaction abilities ? exemplary proofreading abilities with a very good focus on detail ? power to work both separately and Learn More Here also as a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? Information Technology knowledge is a bonus. ? will need to have valid driver’s permit and use of a vehicle that is insured
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II is going to work closely utilizing the Commercial Team Lead and Commercial Banking Manager to control lending that is existing and develop brand new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II will be able to work closely with all the Bank’s Credit Analysts to aid in analysis of credit demands and planning of Credit Write ups.
Outside Bank Position maintains regular and close relationship that is working a number of centers of impact, community leaders and company specialists.
Responsibility # 1 Loan Production and Upkeep
Originate, underwrite, and solution a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate
Track current loan portfolios to keep a superior quality asset base and help in number of delinquent loans
Negotiate renewals of credit facilities. Suggest approval of loan re payments, construction draw requests, draws from credit lines and funds transfers with specified restrictions
Responsibility # 2 Credit and Borrower Research
Screen possible borrowers that are commercial analyzing their company plan, techniques, and projections, in addition to, historical monetary statements and company outcomes
Talk with current clients and leads through different solutions to talk about business requirements and suggest ways that the lender can offer solutions
Make use of Credit Analysts to accurately review potential debtor requests and coordinate processing of approved loans
Test economic loan covenants and prepare yearly term loan reviews
Ensure all loan papers are correct, finalized and recorded/perfected.
Ensure all documentation that is supporting complete and signed whenever necessary.
Responsibility # 3 Home Based Business Developing / Community Outreach
take part in company development tasks and solicit brand brand new quality that is high and deposit company to produce volume and/or manufacturing objective
Represent SCB at various community functions and professional/civic groups to further enhance the Bank’s image and presence
Responsibility #4 Continuing Education
Update work knowledge by playing academic possibilities, keeping networks that are personal taking part in expert businesses.
Sound Community Bank is definitely an equal possibility boss and all sorts of qualified candidates will get consideration for work without respect to battle, color, faith, intercourse, national origin, sexual orientation, gender identification, impairment status, protected veteran status, or just about any other characteristic protected for legal reasons.