Commercial Lending Associate

Commercial Lending Associate page is loaded## Commercial Lending Associate locations:
Branch - El Paso Downtown time type:
Full time posted on:
Posted Yesterday job requisition :
JR100046
** At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our employees, embracing diversity, fostering meaningful connections, and providing outstanding service every step of the way.
**** JOB SUMMARY
** The Commercial Lending Associate is responsible for assisting the Commercial Relationship Manager in underwriting and coordinating the closing of complex consumer, residential, equipment, SBA, commercial building and business loans in compliance with the bank’s lending policies and procedures. The Commercial Lending Associate deal with credit and collateral exceptions and past dues and promotes business for the bank by maintaining good customer relations and referring customers to appropriate staff for additional products and services.

They assist in attaining established Bank, regional and branch goals by supporting the Commercial Relationship Manager through active participation in sales management and officer call programs.
** ESSENTIAL DUTIES
*** The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties as assigned.
** Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.
* Performs prequalification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
* Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; refers and recommends loan acceptance to the Chief Credit Officer or Loan Committee.
* Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/ or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
* Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
* Ensures that certification or deletion of collateral is made by the appropriate personnel.
* Underwrites and processes renewals of credit facilities.
* Assists in approving draws from lines of credit, and fund transfers within specified limits.
* Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
* Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors, and competition.
* Represents Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
* Cross sells the Bank’s other products and services, referring customers to appropriate staff as indicated.
* Responds to inquiries or refers to the appropriate department or person and exhibiting the necessary follow through with customer and/ or staff involved.
* Consistently applies advanced decision-making techniques, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.
* Processes, solves and answers complex customer transactions, problems or inquiries.
* Operates computer terminal or personal computer to process account activity, determine balances and resolve problems within given authority.
* Answers telephones, answers questions and directs callers to proper Bank…