Commercial Loan Officer

Job Description

Job Summary

The Commercial Loan Officer has responsibility including the sale, credit analysis, proper loan structuring and documentation, loan servicing, client interviewing and perceptive character judgment. Acting as the principal account relationship manager for new and existing clients by developing, generating, and following up on new client leads through referrals and phone calls.

Essential Duties

• Actively solicit new deposit and loan relationships via networking, community involvement, cross-selling and business development activities
• Establish and maintain an excellent rapport with key branch customers, including those with complex financing and depository requirements by making monthly retention calls on selected deposit customers
• Provide detail explanations of different types of loans and credit options available to customers by analyzing applicants’ financial information, credit worthiness, and property to determine feasibility of granting loans
• Call on existing clients to review portfolios, evaluate current financial conditions, and make recommendations as needed
• Recommend loan approval or decline to credit administration or submit to credit analyst for verification and/or recommendation
• Ensure compliance with bank policy, regulatory requirements and credit worthiness by reviewing and update all credit loan files and loan agreements with current financial information to ensure that they are complete an accurate according to policy
• Actively manage a credit portfolio to ensure compliance with Bank, regulatory and credit requirements by reviewing and update all credit loan files and loan agreements to ensure that they are complete an accurate according to policy.
• Monitors loan repayment activities and takes necessary action to collect any past–due accounts as consistent with bank policy
• Assist customers and follow up on outstanding items
• Collaborate with the Branch Manager on employee development, management activities, and operational functions

Physical Requirements & Work Environment

• Requires standing and/or sitting for prolong periods of time.
• Requires lifting up 10lb
• Office setting w/controlled temperature
• Up to 25% traveling

Education and Experience

• Bachelor’s degree in Business, Accounting, Finance or related discipline is preferred but not required
• A minimum of 10 -15 years of experience in field or related area with strong emphasis on customer service, sales and credit portfolio management

Additional Requirements

• Ability to travel to various bank and client locations as needed
• Some Saturday hours may be required

As a part of the Bank’s internal control systems, employees holding sensitive positions are required to be absent from their duties for a minimum of two consecutive weeks each year. This position has been deemed to meet the test for a sensitive position, and therefore you will be required to meet the minimum absence requirement each and every year.