Commercial Loan Officer II
PLACE DEFINITION The Commercial Loan Officer II accounts for supplying professional lending that is commercial to current and potential bank consumers. The Commercial Loan Officer II is anticipated to accomplish their production that is certain and calling objectives and correctly handle their assigned loan profile.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus at the least 3 – five years of progressively responsible Commercial experience that is lending. Trustworthiness and sensitiveness are crucial. Experience competencies needed consist of, but they are not restricted to: ? capability to underwrite credit needs, determine appropriate loan framework and current proposed loan demands for approval ? Prepare expert Credit Write- Ups for review by Commercial Team Lead, Credit management and Loan Committee for approval ? capacity to assess and grade credit danger, financial obligation solution capability and ratio analysis ? Good knowledge of economic statements including stability sheets, income statements and declaration of cash flows ? exemplary relationship building and social skills ? Strong consumer focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exemplary verbal and written interaction abilities ? exemplary proofreading abilities with a very good focus on detail ? capability to work both individually so when a team player ? Practice flawless ethical behavior and knows the necessity for privacy ? Information Technology knowledge is an advantage. ? will need to have legitimate driver’s permit and usage of an insured automobile
Should have a standard knowledge of Bank operations and regulatory conformity, including the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will be able to work closely using the Commercial Team Lead and Commercial Banking Manager to handle current financing clients and develop brand brand new customer relationships to attract future financing possibilities for the bank. The Commercial Loan Officer II will continue to work closely with all the Bank’s Credit Analysts to help in analysis of credit needs and planning of Credit Write ups.
Outside Bank Position keeps regular and close working relationship with a number of facilities of impact, community leaders and company experts.
Responsibility # 1 Loan Production and Upkeep
Originate, payday loans Ohio underwrite, and solution a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate
Track loan that is existing to keep a top quality asset base and help in number of delinquent loans
Negotiate renewals of credit facilities. Suggest approval of loan payments, construction draw requests, draws from personal lines of credit and funds transfers with specified restrictions
Responsibility # 2 Credit and Borrower Research
Screen possible commercial borrowers by analyzing their company plan, methods, and projections, in addition to, historical monetary statements and company outcomes
Talk with current clients and leads through different techniques to talk about company requirements and suggest ways that the financial institution can offer solutions
Utilize Credit Analysts to accurately review borrower that is prospective and coordinate processing of approved loans
Test loan that is financial and prepare annual term loan reviews
Ensure all loan papers are correct, recorded/perfected and signed.
Ensure all documentation that is supporting complete and signed whenever necessary.
Responsibility no. 3 Home Based Business Developing / Community Outreach
participate in company development activities and obtain brand new top quality loan and deposit company to quickly attain volume and/or production objective
Express SCB at different community functions and professional/civic groups to further enhance the Bank’s image and presence
Responsibility # 4 Continuing Education
Update work knowledge by taking part in academic possibilities, keeping individual companies and taking part in expert companies.
Sound Community Bank is definitely an equal possibility employer and all sorts of qualified candidates will get consideration for work without reference to competition, color, faith, intercourse, nationwide beginning, intimate orientation, sex identification, disability status, protected veteran status, or other characteristic protected by law.