Commercial Lender

About the Role

As a Commercial Lender, you will serve as a member of the Lending division responsible for development and management of a commercial loan portfolio. The position prospects for quality loan opportunities and generates and maintains a quality loan portfolio.

• Develop and manage a commercial loan portfolio for the bank.
• Focus on making high quality loans which comprise of C&I loans and owner occupied CRE loans. Knowledge of SBA loans is required.
• Demonstrate the ability to be a calling officer and prospect for new loans.
• Demonstrate superior credit skills and loan management abilities for presenting new loans for approval and also maintain existing loan portfolio.
• Develop measurable goals and objectives that focus on both customer service and long term profits.
• Work closely with management to formulate strategic planning goals and objectives to grow the bank’s loan portfolio and net income while providing loan services our customers and cultivating relationships with potential customers to drive loan growth.
• Keep abreast of related industry and professional trends and products and services to ensure the current and future effectiveness and profitability of the bank’s services, policies, staff proficiencies and processed as they relate to assigned areas of responsibilities.
• Work towards and assist in the positive image and growth of the bank.
• Comply with all federal, state and local regulatory rules and regulations governing financial institutions, as well as all company policies and procedures.
• Complete and pass all required regulatory compliance training as assigned.
• Participate in project meetings.
• Secondary oversight of lobby services.
• Management of personal banking, cash operations, and loan floor supervisors.
• Daily oversight in absence of market supervisor/president.
• Perform any additional duties and tasks assigned by management.

• Sound knowledge of the field’s concepts, practices, and procedures.
• Strong knowledge of compliance with Federal and State regulations pertaining to the banking industry.
• Strong knowledge of lending products and services.
• Self-motivated with a strong work ethic and ability to handle high pressure situations.
• Exceptional management, organizational, planning, time management and project management skills.
• Excellent written, communication and customer relations skills.
• Ability to set strategic goals and ensure high quality of products and services.
• Proficiency in Microsoft Word, Excel, PowerPoint and Outlook.

• Bachelor's degree in accounting, finance, economics, or business-related field required.
• Some experience in Consumer Lending - required.
• Formal credit training - required.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Must be capable of climbing / descending stairs in an emergency situation.

Specific vision abilities required by this job include:
The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.