Commercial Loan Officer II
PLACE DEFINITION The Commercial Loan Officer II is in charge of supplying expert lending that is commercial to existing and potential bank customers. The Commercial Loan Officer II is anticipated to obtain their particular 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 necessary. Experience competencies needed consist of, but they are not restricted to: ? capacity to underwrite credit needs, determine appropriate loan structure 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 economic statements including stability sheets, earnings statements and declaration of cash flows ? exceptional relationship building and interpersonal skills ? Strong client focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exemplary verbal and written interaction abilities ? exceptional proofreading abilities with a good awareness of detail ? capacity to work both separately so that as a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? i . t knowledge is an advantage. ? should have legitimate driver’s license and usage of a vehicle that is insured
Will need to have a general comprehension of Bank operations and compliance that is regulatory such as the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II works closely with all the Commercial Team Lead and Commercial Banking Manager to handle lending that is existing and develop new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II will continue to work closely utilizing the Bank’s Credit Analysts to aid in analysis of credit demands and planning of Credit Write ups.
Outside Bank Position keeps regular and close working relationship with a variety of facilities 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 loan that is existing to keep a top quality asset base and help in number of delinquent loans
Negotiate renewals of credit facilities. Suggest approval of loan payments, construction draw requests, draws from credit lines and funds transfers with specified limitations
Responsibility # 2 Credit and Borrower Research
Screen possible commercial borrowers by analyzing their company plan, methods, and projections, along with, historical monetary statements and company outcomes
Speak to current clients and leads through different solutions to talk about business requirements and recommend ways that the financial institution can offer 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 papers are correct, recorded/perfected and signed.
Ensure all documentation that is supporting complete and signed whenever necessary.
Responsibility number 3 Start Up Business Developing / Community Outreach
participate in company development tasks and get brand brand brand new top quality loan and deposit company to obtain volume and/or manufacturing objective
Express SCB at different community functions and groups that are professional/civic further enhance the Bank’s image and presence
Responsibility # 4 Continuing Education
Update job knowledge by playing academic possibilities, maintaining networks that are personal taking part in expert companies.
Sound Community Bank can be an opportunity that is equal and all sorts of qualified candidates will get consideration for work installment loans MO without reference to competition, color, faith, intercourse, national beginning, intimate orientation, sex identification, impairment status, protected veteran status, or other characteristic protected for legal reasons.