Job Description

The Commercial Lender is responsible for soliciting, negotiating, underwriting and coordinating the closing of complex consumer, residential, equipment, SBA, commercial building and business loans in compliance with the Bank's lending policies and procedures; develops business checking and deposit relationships with customers; and promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The position of Commercial Lender assists in attaining established Bank goals through active participation in sales management and the bank's business development plan. Assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.

ESSENTIAL DUTIES

Engages in business development activities as outlined in the Business Development plan with the solicitation of prospective clients and consistent contact with existing clients while instilling and maintaining an effective sales environment throughout the organization through education of the Bank's products and services. Interviews prospective loan applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information. Performs timely pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. Gathers and analyzes all information necessary to present a financing request to Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits. Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements. Ensures that certification or deletion of collateral is made by the appropriate personnel. Negotiates, underwrites and processes renewals of credit facilities within established loan policy guidelines. Authorizes commitment, engagement, and decline letters. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees. Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition. Represents the Bank in various community, civic, and community functions to further enhance the Bank' image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena. Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits. Cross sells the Bank's other products and services, referring customers to appropriate staff as indicated. Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken. Assists in meeting annual loan and deposit growth goals as outlined in the Business Development Plan. ; participates in various internal committees assigned by senior management. Provides leadership and training to less experienced loan officers, credit analysts and other staff members. Responds to inquiries or refers inquiries to the appropriate department or person, and exhibiting the necessary follow through with customers and/or staff involved. Consistently applies superior decision-making techniques pertaining to inquiries, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits. Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank's goals and values; benefits the bank through outside activities. Bachelor's degree in business administration, accounting, finance or related field. Minimum 3 - 5 year's experience in bank lending, loan review and/or compliance experience or equivalent education in bank lending, loan review/compliance procedures and policies. Significant understanding of commercial and consumer lending practices. Knowledge of accounting principles and concepts related to loan accounting. Seasoned credit underwriter with progressively responsible lending experience. Highly knowledgeable of lending laws, regulations, and compliance requirements. Significant experience in analyzing and monitoring credit risk and related trends at both the loan and portfolio levels. Proven ability to effectively manage and analyze data. Ability to effectively manage commercial loan portfolios, improving credit quality and overall performance. Strong collaboration skills with ability to work effectively across all levels of the organization. Excellent sales and communication skills. Comfortable making presentations in all settings. * Strong work ethic with a commitment to excellence and achieving quality results in a timely manner.