Commercial Loan Officer

Position Summary

Responsible for developing new business, structuring and closing loans, maintaining and servicing a loan portfolio, and cross selling bank products based on customer needs. Must represent the bank through active participation in community organizations and affairs.

• Generate new clients and referrals through strong relationship building
• Generate and close consumer, commercial, and SBA/USDA loans to achieve production goals
• Work directly with clients to review agreements, explain programs, negotiate loans and terms, and compute payment schedules
• Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans
• Obtain and compile copies of loan applicants’ credit histories, financial statements, and other financial information
• Review loan agreements to ensure that they are complete and accurate
• Submit applications to credit analysts for verification and recommendation
• Community involvement to promote bank products and services
• Ensure timely loan closing and funding activities
• Maintain a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations
• Manage loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring
• Cross-sell bank services by recognizing the needs of customers
• Perform field work as necessary to locate and collect delinquent loan payments or secure collateral
• Daily review, approval, and disposition of commercial overdrafts
• Attend loan closings
• Meet customers on projects and inspect collateral
• Detect early warning signs of problem loans and immediately notifying supervisor
• Assist customers and/or branch personnel as needed with questions pertaining to loan information
• Consistently support the Bank and its core values
• Follow all policies and procedures
• Additional duties may be assigned by supervisor