PLACE EXPLANATION The Commercial Loan Officer II accounts for supplying expert commercial financing solutions to existing and potential bank consumers. The Commercial Loan Officer II is anticipated to quickly attain their particular manufacturing and client calling objectives and correctly 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 necessary. Experience competencies needed consist of, but are not restricted to: ? capability 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 ? capability to assess and grade credit danger, financial obligation solution capability and ratio analysis ? Good knowledge of economic 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 ? exemplary verbal and written interaction abilities ? exemplary proofreading abilities with a stronger focus on detail ? capability to work both individually and also as a team player ? Practice flawless ethical behavior and knows the necessity for confidentiality ? i . t knowledge is a bonus. ? will need to have legitimate driver’s permit and usage of a vehicle that is insured
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II works closely with all the Commercial Team Lead and Commercial Banking Manager to control lending that is existing and develop brand brand new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II is going to work closely utilizing the Bank’s Credit Analysts to help in analysis of credit requests and planning of Credit Write ups.
Outside Bank Position keeps regular and close relationship that is working a number of centers of impact, community leaders and company experts.
Responsibility # 1 Loan Production and Upkeep
Originate, underwrite, and service a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate
Track current loan portfolios to keep up a top quality asset base and help out with number of overdue loans
Negotiate renewals of credit facilities. Suggest approval of loan re re payments, construction draw requests, draws from personal lines of credit and funds transfers with specified restrictions
Responsibility # 2 Credit and Borrower Research
Screen prospective borrowers that are commercial analyzing their business strategy, techniques, and projections, along with, historical monetary statements and company outcomes
Speak to current customers and leads through various ways to talk about company requirements and suggest ways that the lender can provide solutions
Make use of Credit Analysts to accurately review potential debtor requests and coordinate processing of approved loans
Test loan that is financial and prepare yearly term loan reviews
Ensure all loan documents are correct, finalized and recorded/perfected.
Ensure all supporting documents is complete and signed whenever necessary.
Responsibility #3 Start Up Business Developing / Community Outreach
practice company development tasks and get brand brand new quality that is high and deposit company to accomplish volume and/or manufacturing goal
Express SCB at different community functions and groups that are professional/civic further enhance the Bank’s image and exposure
Responsibility # 4 Continuing Education
Update work knowledge by taking part in academic opportunities, maintaining individual systems and taking part in expert businesses.
Sound Community Bank is an opportunity that is equal and all sorts of qualified candidates will get consideration for work without regard to competition, color, online installment loans Utah faith, intercourse, nationwide origin, intimate orientation, sex identification, impairment status, protected veteran status, or other characteristic protected for legal reasons.