Commercial Lender

Job Description

The Commercial Lender’s primary responsibility is to provide exceptional client service through business development activity, portfolio management, analyzing credit, and closing loans to assist in the bank’s growth. This individual will maintain prudent lending practices and procedures, help the loan department’s efforts in underwriting, personally develop and manage a profitable client portfolio, and provide leadership and assistance to the Branch President helping to meet branch performance goals and objectives. He/she will also engage in business development activities to attract and maintain new deposit customers assisting with the branch’s deposit growth goals.

Education Requirements A bachelor’s degree in finance or a related field is preferred, MBA is a plus and/or 5+ years of experience with loan production in commercial real estate lending, C&I lending, consumer lending, loan portfolio administration and product sales. Relationship management skills are a must for key commercial, small business and personal relationships.

Duties/Responsibilities · Exhibiting excellent verbal and written communication skills. · Demonstrating leadership and teamwork abilities. · Developing and managing a customer portfolio that includes commercial loans, consumer loans, cash management, and deposit products. · Preparing all underwriting and credit analysis to determine an applicant’s financial status including character, cash flow, collateral, capital, credit, and other conditions necessary for effective loan recommendations. · Preparing detailed loan presentations for final loan committee credit approval. · Performing ongoing servicing, analysis, and update of customer financial records to review loan performance, loan covenant compliance, and changes in the loan risk rating. · Completing ongoing collateral documentation with periodic collateral inspections. · Collecting delinquent loans, loan payments and loan restructuring as may be necessary. · Developing a comprehensive relationship management and business development plan for customers/prospects. A significant amount of time will be spent developing leads, scheduling business development calls, and maintaining customer/prospect relationships with ongoing calling efforts. The purpose of these calls will be to identify customers’ banking needs to offer appropriate Bank products and services. · Representing the Bank at various networking functions to further the Bank’s reputation and reach in the community. · Performing job functions in compliance with all company policies, federal and state rules and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC, and GLBA privacy rules. · Assisting in branch openings, closing and coverage as an officer of the bank. · Performing other job duties as assigned from time to time by bank management.

Salary Information The salary range for the Commercial Lender will be based upon experience, education and overall competency level.