Commercial Lender II

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SUMMARY:

Originates, manages, and supervises a large portfolio of commercial loans, typically more than $50M, with the overall objective of maintaining and increasing its asset quality. Develops new and existing business relationships.

DUTIES AND RESPONSIBILITIES:

• Takes applications for commercial loan business. Reviews the customer’s financial condition and assesses the customer’s ability to re-pay the loan. Makes underwriting decisions within approval authority. Completes or directs completion of all loan documents and closes loans.
• Participates in developing lending and deposit business for the company. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the company’s client base.
• Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.
• Assists in collection of past due loans.
• Assists customers with any loan-related questions and concerns.
• Regular and predictable attendance is an essential function of this job.
• Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

QUALIFICATIONS:

• College Degree, Bachelor’s preferred
• Two to four years of similar or related experience.

KNOWLEDGE, SKILL, ABILITY:

• The ability to motivate or influence internal or external senior level professionals is a critical part of the job, requiring a significant level of influence and trust. Obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogues, as well as a professional level of written communication skills are essential to the position.
• Intermediate business development skills with an established and growing referral network in the market
• Ability to manage moderately complex clients and credit structures with guidance and supervision
• Exercises sound judgement and adherence to bank policies. Effectively communicates with key partners to efficiently move credits through the bank-established approval and origination process. May require a minimal level of guidance and supervision.
• Serves as a resource to less experienced bankers, analysts, and processors in the bank, but still seeks guidance from others as necessary.
• Active and developing as a leader and resource in the community.
• Capable of consistently achieving net annual loan portfolio growth of at least $5.2 million and net annual deposit portfolio growth of at least $1.7 million
• Individuals in this position will generally possess at least a bachelor's degree and 2-4 years of relevant experience.

WORK ENVIRONMENT:

Must be able to routinely perform work indoors in climate-controlled private office with minimal noise. Must be capable of up to 25% travel (e.g. 1 week or 5 days/month) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

Travel will be necessary to conduct the duties of this job, and the employee must have the ability to drive and have proper licensing.

PHYSICAL DEMANDS:

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…