Commercial Lender

Responsibilities

• Developing and managing commercial loan accounts that meet established lending requirements and provide maximum profitability at minimum risk.
• Collecting and analyzing information that reflects the current creditworthiness of customers and the current merits of existing loans.
• Reviewing and analyzing title reports or surveys to determine issues and any present or potential risks.
• Analyzing the applicant’s financial status, credit, and property evaluation to determine the feasibility of granting the loan or submitting an application to a credit analyst for verification and recommendation.
• Meeting with applicants to obtain loan application information and answer questions about the process.
• Guiding loans through the approval and closing process.
• Explaining, promoting, cross‑selling, or referring banks, insurance, and trust products or services.
• Representing the Bank in the community through professional and civic involvement is critically important to this role.

• Bachelor’s Degree required.
• Six or more years of progressively greater responsibility and experience in the commercial lending area is a must.
• $15MM in annual commercial loan production required.
• Experience analyzing financial statements.
• Completion of a formalized credit training program is preferred.
• Thorough knowledge of Federal and State regulations covering commercial banking activities.
• Strong analytical ability with effective written and verbal communication skills required.
• Efficient use of Outlook, Word, and Excel applications.
• Excellent interpersonal skills.