Commercial Loan Officer II

POSITION DEFINITION The Commercial Loan Officer II is in charge of supplying professional lending that is commercial to existing and potential bank consumers. The Commercial Loan Officer II is anticipated to attain their specific manufacturing and client calling objectives and correctly handle their assigned loan profile.

PLACE QUALIFICATIONS Bachelors’ degree preferred, plus no less than 3 – 5 years of progressively responsible Commercial experience that is lending. Trustworthiness and sensitiveness are necessary. Experience competencies required consist of, but are not restricted to: ? capacity to underwrite credit demands, determine appropriate loan structure 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 ? capacity to assess and grade credit danger, financial obligation solution ability and ratio analysis ? Good knowledge 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 ? exceptional verbal and written interaction abilities ? exemplary proofreading abilities with a solid awareness of detail ? capacity to work both separately so when a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? Information Technology knowledge is a bonus. ? will need to have legitimate driver’s permit and usage of an insured automobile

Will need to have a standard comprehension 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 with all the Commercial Team Lead and Commercial Banking Manager to handle lending that is existing and develop brand new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II is going to work closely with all the Bank’s Credit Analysts to help in analysis of credit needs and planning of Credit Write ups.

Outside Bank Position keeps regular and close relationship that is working a variety of facilities of impact, community leaders and company specialists.

PLACE OBLIGATIONS

Responsibility #1 Loan Production and Upkeep

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

Monitor loan that is existing to keep up a top quality asset base and help in number of overdue loans

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

Responsibility # 2 Credit and Borrower Research

Screen prospective commercial borrowers by analyzing their company plan, methods, and projections, along with, historical monetary statements and company results

Talk with current customers and leads through various ways to discuss company requirements and suggest ways that the Bank 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, recorded/perfected and signed.

Ensure all supporting documents is complete and signed whenever necessary.

Responsibility no. 3 Home Based Business Development / Community Outreach

take part in company development activities and obtain brand new quality that is high and deposit business to accomplish volume and/or production goal

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 educational possibilities, keeping networks that are personal taking part in expert organizations.

Sound Community Bank is definitely an equal possibility manager and all sorts of qualified candidates will get consideration for employment without reference to battle, color, faith, intercourse, nationwide beginning, intimate orientation, sex identification, impairment status, protected veteran status, or just about any other characteristic protected for legal reasons.