Commercial Consumer Lender Bank

Job Description

Eagle Bank Job Description Job Title :
Commercial Loan Officer

*
* Department:
** Lending

*
* Reports To:
** Chief Lending Officer – Central Region

*
* FLSA Status:
** Exempt - Salaried

*
* Location:
** Little Rock, AR

The Commercial Lending Officer is responsible for managing an existing loan portfolio comprised of both consumer and commercial loans, including the collection of payments and ongoing monitoring of portfolio performance.

The ideal candidate will be a self-directed professional with the ability to make independent

• Review tax returns and prepare cash flow analyses and debt-to-income statements to support credit decisions
• Run and review credit reports, EDR, flood determinations, and other required reports
• Approve loans within established lending authority or prepare complete loan packages for committee approval
• Complete loan contracts by explaining terms and provisions to applicants; obtain required signatures, notarizations, and fees
• Conduct property and collateral inspections, including real estate and agricultural assets, as needed for prospective loans or at the request of other loan officers
• Work on new and renewal loan requests daily; maintain communication with processors and underwriters to ensure required documents are collected and files are complete for review and audit
• Contact customers throughout the loan process to communicate requirements and facilitate a smooth, efficient financing experience
• Assist customers via phone, email, and referrals from staff to provide full-service banking solutions
• Develop new business by actively cultivating relationships with new customers, new residents, and community members, and promote all typers of loan and deposit account products available through Eagle Bank.
• Always Represent Eagle Bank as a Bank officer, both inside and outside the bank, in accordance with Eagle Bank’s Code of Conduct.
• Participate in community events and activities, including those held outside of normal business hours, in support of the bank’s community presence.
• Extend working hours as needed to accommodate customer needs and complete varied tasks on behalf of customers
• Perform other duties as assigned by immediate supervisor

• Bachelor’s Degree and/or equivalent experience
• Demonstrated experience in consumer and commercial loan origination, underwriting, and portfolio management
• Ability to analyze financial statements, tax returns, cash flows, and credit reports to make sound lending decisions
• Must hold a $50,000 individual lending authority

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable Accommodation(s) may be made to enable qualified individuals to perform the essential job functions.

Manual dexterity for computer work and cash handling/plus lifting boxes/files, typing, standing, extended reaching, etc.

_ This job description is not intended to be all inclusive and there may be additional duties and responsibilities assigned, as well as modified to meet the organization’s needs as they occur. This job description does not constitute an employment contract, and this position is an “At-Will” employment position._