Commercial Loan Officer II
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 produce their production that is certain and calling objectives and correctly handle their assigned loan profile.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus no less than 3 – 5 years of progressively responsible Commercial Lending experience. Trustworthiness and sensitiveness are crucial. Experience competencies needed consist of, but are not restricted to: ? capability to underwrite credit demands, determine appropriate loan framework and current proposed loan demands for approval ? Prepare expert Credit Write- Ups for review by Commercial Team Lead, Credit management and Loan Committee for approval ? capacity 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 ? exceptional relationship building and social skills ? Strong consumer focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exemplary verbal and Florida license installment loans direct lenders written interaction abilities ? exceptional proofreading abilities with a stronger focus on detail ? power to work both individually so that as a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? Information Technology knowledge is a bonus. ? will need to have legitimate driver’s permit and usage of an insured car
Will need to have a standard comprehension of Bank operations and regulatory conformity, such as the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will be able to work closely with all the Commercial Team Lead and Commercial Banking Manager to handle current lending clients and develop brand brand new customer relationships to attract future lending possibilities when it comes to bank. The Commercial Loan Officer II will be able to work closely aided by the Bank’s Credit Analysts to aid in analysis of credit needs and preparation of Credit Write ups.
Outside Bank Position keeps regular and close relationship that is working a selection 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 current loan portfolios to keep a superior quality asset base and help out with 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 limitations
Responsibility # 2 Credit and Borrower Research
Screen prospective borrowers that are commercial analyzing their business strategy, methods, and projections, in addition to, historical monetary statements and business outcomes
Speak to current clients and leads through various solutions to talk about company requirements and suggest ways 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, finalized and recorded/perfected.
Ensure all documentation that is supporting complete and signed whenever necessary.
Responsibility # 3 Home Based Business Developing / Community Outreach
participate in company development tasks and get brand brand new quality that is high 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 work knowledge by taking part in academic possibilities, keeping networks that are personal taking part in expert companies.
Sound Community Bank can be an equal possibility company and all sorts of qualified candidates will get consideration for work without reference to battle, color, faith, intercourse, nationwide beginning, sexual orientation, sex identification, impairment status, protected veteran status, or just about any other characteristic protected for legal reasons.