Commerical Loan Officer

Manages a portfolio of all types of loan/depository accounts. Responsible for prospecting new customers and cross-selling other banking services.

• Prospects new customers and solicits new loans. Cross-sells other banking services to new and existing customers. Maintains ongoing customer contact to ensure good customer relations.
• Performs ongoing management of a portfolio of all types of account relationships, including account reviews, problem solving, research and follow-up on internal account errors.
• Interviews loan applicants: gathers and evaluates financial and related data to establish credit worthiness. Monitors customers' financial condition.
• Reviews and approves or denies loan requests to new or existing customers up to a pre-determined limit. Prepares action memos for management review and presents credits exceeding authority to the loan committee. Serves and votes as a member of the bank loan committee.
• Provides guidance to subordinate lending officers on lending decisions and managing accounts. Monitors loan repayment activities and takes necessary action to collect past-due accounts.
• May participate in preparation of department budget, goals, objectives and strategic planning.
• Participates in civic and community organizations, representing the bank while following personal interests. Attends customer and bank-sponsored events.
• Performs other related duties as assigned by management.
• Maintains regular and reliable attendance.

• Knowledge of commercial lending procedures.
• Knowledge of general banking principles.
• Knowledge of sales and marketing practices and principles.
• Skill in communicating with clients and co-workers in a courteous and professional manner.
• Skill in operating computer terminals and printers.
• Skill in pricing loans.
• Ability to maintain a high level of confidentiality.
• Ability to solve problems.
• Ability to make sound decisions using information at hand.
• Ability to demonstrate accuracy and efficiency in a fast-paced environment.
• Ability to function as a team player.

• College degree preferred.
• Prior commercial lending experience preferred.