Job Description

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Possess a solid understanding of various types of business borrowers. Fully understand business cash cycles, debt service and cash flow. Possess the knowledge and skills to review and underwrite complex commercial loan requests.
• Possess the drive and ability to successfully market the bank and develop new business leads and quality loan business.
• Identifies commercial loan opportunities with new and existing customers and actively develops solutions to meet customer loan needs and expectations. Achieves bank loan growth, yield and portfolio quality goals and objectives. This includes collecting, reviewing, and analyzing financial statements and tax returns as part of the loan underwriting process. Identifies what bank products and services best meet the customer’s needs and financial circumstances and makes recommendations.
• Understands SBA products and programs.
• Manages current customer relationships to ensure adequate review and oversight, which includes proper risk analysis and loan repayment performance.
• Monitors customer reporting covenants to minimize loan file exceptions. Maintains current loan file financial information including financial statements, tax returns, borrowing base certificates, titles, liens and insurance policies.
• Actively calls on existing customers and potential customers to generate new loans to support bank loan growth, yield and portfolio objectives.
• Represents the bank in the communities we serve by participating in public events, volunteering or serving on non-profit organizations, committees, boards and area Chambers of Commerce.
• Serves, as requested, on bank committees and present information to committees and groups of co-workers.
• Required, reliable attendance is required.

EDUCATION/EXPERIENCE:

Bachelor’s degree (BA) from a 4-year college or university and a minimum of 2-5 years + commercial lending experience and/or the equivalent combination of education and experience.

Job Tags

Similar Jobs