Commercial Lender

Position Mission

This position is responsible for assisting with the management and growth of Construction/consumer loan portfolio.

• Develop and retain existing consumer relationships and generate new business through loans, business accounts, and services
• Interview applicants to determine loan requirements and gather pertinent information for loan applications.
• Analyze applicant information to determine feasibility of granting loans within loan policy.
• Approve loan within specified limits or champion loan opportunities to the credit department and/or Committee for proper approval.
• Resolve uncertainties relating to customer application information through inquiries with applicant or creditors.
• Negotiate and/or recommend credit terms, costs, loan repayment strategies, and collateral specifications
• Explain to the customer the different types of loans and credit options that are available, as well as the terms of those services
• Review loan agreements and make sure that they are complete and accurate
• Ensure timely loan closing and funding activities
• Maintain customer relationships through regular communication and follow up
• Maintain up to date knowledge on banking laws, regulations, compliance issues, and bank policies
• 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.
• Uses experience and sound judgment to plan and accomplish goals.

• Support CNB’s strong relationship culture through quality customer service and superior product knowledge
• Provide superior customer service by resolving problems efficiently and responding timely
• Identify and implement solutions to problems in general and urgent matters
• Actively seek to add and enhance knowledge regarding developments and current trends in the industry
• Seek counsel of supervisor on issues as appropriate
• Work collaboratively with staff to maintain a team environment
• Flexible to accept additional assignments as requested by leadership
• Cross train for other positions to cover when necessary
• Professionalism while representing CNB (onsite, professional and community events and via communications)
• Participate and attend meetings as requested
• Recommend policies and procedures as it relates to area of responsibility
• Timely responses to inquiries for information to customers, staff and vendors
• Answer telephone calls and provide a prompt response
• Follow CNB’s policies and procedures
• Other duties as assigned

• Bachelor’s degree in finance, business management or related field preferred
• Must be eligible for, or already qualified for a NMLS license
• Must be eligible for a Credit Life license
• 3-5 years of experience in bank lending, loan review, or related field preferred, 2-4 years required
• Requires a high degree of confidentiality
• Knowledge of accounting and workflow software, and Microsoft office (word, excel, PowerPoint, etc.)
• Exceptional communication skills, organizational skills, time management skills and be a self-starter
• Detail oriented and ability to self-audit work to ensure accuracy
• Experience in Construction and Mortgage Lending preferred
• Requires being reliable, responsible, and dependable to fulfill the obligations of this role

The physical demands described are representative to those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee must be able to stand and sit for extended lengths of time, read computer screens, talk on the phone, unpack and move supplies up to fifty (50) pounds, reach, kneel, bend, climb and balance.

Vision abilities required for this job include close vision.

While performing the duties of this job, the work environment is primarily a professional, deadline driven environment with interaction of internal team members and external customers. Noise level in the work environment can be loud.

This job description is only a summary of the typical functions of this position, not an…