Commercial Loan Officer II
PLACE DEFINITION The Commercial Loan Officer II is in charge of providing professional lending that is commercial to current and potential bank consumers. The Commercial Loan Officer II is anticipated to realize their production that is certain and calling objectives and precisely handle their assigned loan profile.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus at the least 3 – 5 years of progressively responsible Commercial experience that is lending. Trustworthiness and sensitiveness are necessary. Experience competencies needed consist of, but are not restricted payday loans in North Carolina to: ? capacity to underwrite credit needs, determine appropriate loan framework and current proposed loan needs for approval ? Prepare expert Credit Write- Ups for review by Commercial Team Lead, Credit management and Loan Committee for approval ? capability to assess and grade credit risk, financial obligation solution ability and ratio analysis ? Good understanding of economic statements including stability sheets, earnings statements and declaration of cash flows ? exemplary relationship building and social skills ? Strong consumer focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exemplary verbal and written interaction abilities ? Excellent proofreading abilities with a very good awareness of detail ? power to work both individually so when a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? Information Technology knowledge is an advantage. ? will need to have legitimate driver’s permit and usage of a vehicle that is insured
Will need to have a standard comprehension of Bank operations and compliance that is regulatory such as the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II works closely with all the Commercial Team Lead and Commercial Banking Manager to control current financing clients and develop brand brand new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II is going to work closely aided by the Bank’s Credit Analysts to aid in analysis of credit needs and planning 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 experts.
Responsibility # 1 Loan Production and Upkeep
Originate, underwrite, and solution a portfolio of commercial banking relationships and cross-sells other banking solutions whenever appropriate
Track current loan portfolios to keep up a superior quality asset base and help in number of overdue loans
Negotiate renewals of credit facilities. Suggest approval of loan re re payments, construction draw requests, draws from credit lines and funds transfers with specified restrictions
Responsibility # 2 Credit and Borrower Research
Screen possible commercial borrowers by analyzing their company plan, methods, and projections, in addition to, historical financial statements and company results
Speak to current clients and leads through various solutions to talk about company requirements and suggest ways that the lender can offer solutions
Make use of Credit Analysts to accurately review borrower that is prospective and coordinate processing of approved loans
Test loan that is financial and prepare yearly term loan reviews
Ensure all loan papers are correct, signed and recorded/perfected.
Ensure all supporting documentation is complete and signed whenever necessary.
Responsibility number 3 Start Up Business Development / Community Outreach
participate in business development tasks and obtain brand new quality that is high and deposit business to reach volume and/or production objective
Express SCB at different community functions and professional/civic groups to further enhance the Bank’s image and exposure
Responsibility # 4 Continuing Education
Update work knowledge by taking part in academic possibilities, maintaining networks that are personal taking part in professional companies.
Sound Community Bank is an opportunity that is equal and all sorts of qualified candidates will get consideration for work without respect to competition, color, religion, intercourse, nationwide beginning, intimate orientation, sex identification, disability status, protected veteran status, or just about any characteristic protected for legal reasons.