Job Description

Corporate Lending Officer

*Position may be eligible for partial remote work.

Job Code

CL

Job Family

Supervisory

No

Title

Corporate Lending Officer - Commercial Underwriter

Job Summary

The Corporate Lending Officer reviews credit data and evaluates commercial loan requests with a high level of expertise to aid in the credit approval process with the goal of maximizing bank profits and minimize the risk of loss.

Essential Functions, Duties and Responsibilities include, but are not limited to:

Analyzes credit data, financial statements and other financial information to determine the degree of risk involved in extending credit or lending money on commercial loans and to access proper pricing and structure for said loans

Maintains a strong working knowledge of the bank's loan policies/philosophy, pertinent operating procedures and loan regulations

Provides assistance and support to Senior Lenders to determine strengths and weaknesses of a commercial credit

Education, Experience and Qualifications

Education

Required/Preferred

Education Level

Description

Required



High School or GED



Preferred



Associate Degree



Finance, accounting or related field



Preferred



Bachelors Degree



Finance, accounting or related field

Years of Experience

Minimum

Comments

2



Commercial Underwriting experience or basic understanding of retail loan banking terminology/products/services

License / Certification

Required/Preferred

License / Certification

Description

Additional Qualifications

Core Competencies

Ability to make decisions independently

Critical thinking skills

Strong interpersonal skills

Strong numerical abilities

Time management

Customer service skills

Ability to multi-task, prioritize and meet deadlines

Active listening and communication skills

Accuracy and attention to detail

Complex problem-solving and judgment

Working Conditions

Working Conditions

Indoors, environmentally controlled. Usual office working conditions. The noise level in the work environment is typical of most office environments with telephones, personal interruptions, and background noises.


Occasional travel may include outdoor, uncontrolled environmental conditions, including rain, sleet, ice, snow, extreme heat or cold temperatures.

Travel Requirements

Requirement

Frequency

Never or Rarely

Mandatory Vacation

Position requires incumbents to be off work for a minimum of five consecutive business days

Physical Requirements

Requirement

Frequency

Sitting (remaining in a seated position)



Constantly



Standing (remaining on one's feet in an upright position without moving about)



Occasionally



Walking (moving about on one's feet)



Occasionally



Lifting (raising or lowering an object from one level to another)



Never or Rarely



Carrying (transporting an object, usually by holding it in the hands or arms or on the shoulder)



Occasionally



Pushing/Pulling (exerting force upon an object so that the object moves away or toward the force)



Never or Rarely



Reaching (extending hand(s) and arm(s) in any direction, such as overhead, below waist, forward or lateral)



Frequently



Keyboarding (entering text or data using computer keyboard or 10-key numeric keyboard)



Constantly



Pinching/Gripping (seizing, holding, grasping, turning or otherwise working with the hand(s) or fingers)



Occasionally



Stooping (bending downward and forward by bending spine at the waist)



Never or Rarely



Squatting/Crouching (bending body downward and forward by bending legs and spine)



Never or Rarely



Kneeling (bending legs at knees to come to rest on knee(s))



Never or Rarely



Crawling (moving about on hand and knees or hands and feet)



Never or Rarely



Climbing (ascending or descending ladders, stairs, ramps)



Never or Rarely



Speaking (expressing or exchanging ideas by means of the spoken word to impart oral information to customers and to convey detailed spoken instructions accurately, loudly, or quickly)



Constantly



Hearing (the ability to hear, understand, and distinguish speech, either in person or telephonically)



Constantly



Near Visual Acuity (clarity of vision at approximately 20 inches or less)



Constantly



Far Visual Acuity (clarity of vision at approximately 20 feet or more)



Occasionally

Additional Physical Requirements

May require lifting up to 10 pounds