Commercial Loan Officer

The Commercial Loan Officer is responsible for developing and managing commercial loan accounts which meet established lending requirements, and which provide maximum profitability to the bank with a minimum of risk. Support the bank's strong banking culture through on-going customer contact, quality customer service, and superior product knowledge. The incumbent must be able to exercise discretion and independent judgement.

• Develops new business by contacting prospects and customers. Cross-sells bank services.
• Interviews loan applicants, collects and analyzes financial and related data to determine current credit worthiness of customers and the current merits of existing loans. Information may be obtained by direct inspection of the applicant's business and/or collateral review of interim financial reports and personal interview.
• Establishes and negotiates where necessary the terms under which credit will be extended, including the costs, repayment method, schedule, and collateral requirements. Approves loans up to an amount determined by the board of directors. Serves as contact officer for Loan Committee review on loans above this limit by developing material for and making presentations where required.
• Monitors existing commercial loan portfolios to ensure proper risk ratings and early identification of problems. Takes necessary action to collect from past due accounts.
• Participates in community affairs to increase the bank's visibility and to enhance new business opportunities.
• Supervises one (1) Loan Officer Assistant.
• Other duties as assigned.

• Undergraduate degree in business or finance related field. In lieu of degree, equivalent experience may be accepted.
• Three (3) to five (5) years of experience within the banking industry or a loan department.
• Extensive knowledge of all commercial lending, banking concepts, and applicable regulations.
• Advance written, oral, interpersonal, and negotiating skills with ability to recognize and respond to sales opportunities.
• Ability to communicate clearly and professionally through both verbal and written skills with customers in English.
• Ability to organize, multi-task, plan and set priorities to meet deadlines with minimal supervision.
• Proficient computer experience with advanced knowledge of various computer programs necessary to open accounts along with an ability to operate a 10-key calculator with a high degree of accuracy.
• Ability to pay close attention to detail and to make reliable and prompt decisions using available information.
• Demonstrate good work habits, maintain a professional appearance and attitude, and follow policies and procedures.
• Must project a friendly, courteous, patient, and professional image at all times, even under adverse conditions.
• Demonstrate poise, tact, and diplomacy with the ability to handle sensitive and confidential information and situations.