Commercial Loan Officer

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

Compensation: $110,000 - $150,000 Annually

• Prospects new customers and solicits new loans, cross‑selling other banking services to new and existing customers.
• Maintains ongoing customer contact to ensure good customer relations.
• Performs on‑going management of a portfolio of all types of account relationships, including account reviews, problem solving, research and follow‑up to internal account errors.
• Interviews loan applicants to gather and evaluate financial and related data to establish credit worthiness and 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 and objectives and strategic planning.
• Participates in civic and community organizations, representing the bank, but 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 and banking.
• 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 problem‑solve.
• Ability to make sound decision 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.

• 8 paid holidays.
• 17 PTO days each year for the first five years of employment (employees must complete 90‑day introductory period prior to accruing PTO).
• 16 hours of paid sick time upon hire date.
• Health, dental, prescription drug card, vision, and voluntary life insurance plans.
• Health savings account with employer contributions.
• Flexible medical and dependent care spending plans.
• 401(k) plan after 3 months and start of next quarter with employer contributions and profit sharing.
• $50,000 group term life insurance.
• Long‑term disability insurance and employee assistance program.
• If working less than 35 hours per week, above benefits are modified.