Commercial Loan Officer II

PLACE EXPLANATION The Commercial Loan Officer II is in charge of supplying expert commercial financing solutions to current and potential bank customers. The Commercial Loan Officer II is anticipated to realize their particular manufacturing and client calling objectives and precisely handle their assigned loan profile.

POSITION QUALIFICATIONS Bachelors’ degree preferred, plus no less than 3 – 5 years of progressively responsible Commercial Lending experience. Trustworthiness and sensitiveness are necessary. Experience competencies needed consist of, but they are not restricted to: ? capacity to underwrite credit demands, determine appropriate loan structure and current loan that is proposed for approval ? Prepare expert Credit Write- Ups for review by Commercial Team Lead, Credit management and Loan Committee for approval ? capacity to assess and grade credit danger, financial obligation solution ability and ratio analysis ? Good knowledge of monetary statements including stability sheets, income statements and declaration of cash flows ? exemplary relationship building and social skills ? Strong client focus ? Strong organizational and multi-tasking skills in a fast-paced environment ? exceptional verbal and written communication abilities ? exceptional proofreading abilities with a solid focus on detail ? power to work both separately so when a team player ? Practice flawless ethical behavior and knows the necessity for privacy ? Information Technology knowledge is an advantage. ? should have legitimate driver’s license and use of a vehicle that is insured

Should have a broad knowledge of Bank operations and regulatory conformity, such as the Bank Secrecy Act.

RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will continue to work closely aided by the Commercial Team Lead and Commercial Banking Manager to control lending that is existing and develop brand brand brand new customer relationships to attract future financing possibilities for the bank. The Commercial Loan Officer II will be able to work closely using the Bank’s Credit Analysts to help in analysis of credit demands and planning of Credit Write ups.

Outside Bank Position keeps frequent and close relationship that is working a number of facilities of impact, community leaders and company experts.

PLACE OBLIGATIONS

Responsibility # 1 Loan Production and Maintenance

Originate, underwrite, and solution a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate

Track existing loan portfolios to keep a superior quality asset base and help out with collection of overdue loans

Negotiate renewals of credit facilities. Suggest approval of loan re payments, construction draw requests, draws from credit lines and funds transfers with specified limitations

Responsibility # 2 Credit and Borrower Review

Screen possible commercial borrowers by analyzing their business strategy, techniques, and projections, along with, historical financial statements and company outcomes

Talk with current clients and prospects through different solutions to talk online payday NV about company requirements and suggest ways that the lender can offer solutions

Make use of Credit Analysts to accurately review potential debtor requests and coordinate processing of approved loans

Test monetary loan covenants and prepare yearly term loan reviews

Ensure all loan papers are correct, signed and recorded/perfected.

Ensure all documentation that is supporting complete and signed whenever necessary.

Responsibility # 3 Start Up Business Developing / Community Outreach

practice company development tasks and get new quality that is high and deposit company to obtain volume and/or manufacturing objective

Express SCB at different community functions and groups that are professional/civic further enhance the Bank’s image and exposure

Responsibility # 4 Continuing Education

Update job knowledge by taking part in academic possibilities, keeping individual sites and taking part in expert 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, faith, intercourse, national beginning, intimate orientation, sex identification, impairment status, protected veteran status, or just about any other characteristic protected for legal reasons.