Commercial Loan Officer II

PLACE DEFINITION The Commercial Loan Officer II accounts for supplying expert commercial financing services to current and potential bank customers. The Commercial Loan Officer II is anticipated to accomplish their particular manufacturing and client calling objectives and correctly handle their assigned loan profile.

PLACE QUALIFICATIONS Bachelors’ degree preferred, plus at the least 3 – 5 years of progressively responsible Commercial experience that is lending. Trustworthiness and sensitiveness are crucial. Skill competencies required consist of, but they are not restricted to: ? capacity 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 ? power 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 ? exceptional relationship building and social skills ? Strong customer 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 perfect ethical behavior and knows the necessity for confidentiality ? Information Technology knowledge is a bonus. ? will need to have valid driver’s permit and use of an insured automobile

Will need to have a complete comprehension of Bank operations and compliance that is regulatory such as the Bank Secrecy Act.

RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will be able to work closely because of the Commercial Team Lead and Commercial Banking Manager to handle lending that is existing and develop brand new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II will be able to work closely because of the Bank’s Credit Analysts to installment loans online MT aid 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 business experts.

PLACE DUTIES

Responsibility # 1 Loan Production and Maintenance

Originate, underwrite, and solution a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate

Track current loan portfolios to steadfastly keep up a top quality asset base and help out with number of overdue loans

Negotiate renewals of credit facilities. Suggest approval of loan re re re payments, construction draw requests, draws from personal lines of credit and funds transfers with specified restrictions

Responsibility # 2 Credit and Borrower Review

Screen prospective commercial borrowers by analyzing their business strategy, techniques, and projections, in addition to, historical monetary statements and company outcomes

Talk with current clients and leads through different ways to talk about company requirements and suggest ways that the financial institution can offer solutions

Assist Credit Analysts to accurately review borrower that is prospective and coordinate processing of approved loans

Test economic loan covenants and prepare yearly term loan reviews

Ensure all loan papers are correct, finalized and recorded/perfected.

Ensure all supporting paperwork is complete and signed whenever necessary.

Responsibility #3 Start Up Business Developing / Community Outreach

take part in company development activities and obtain brand brand new top quality loan and deposit company to attain volume and/or manufacturing goal

Express SCB at different community functions and groups that are professional/civic further enhance the Bank’s image and presence

Responsibility # 4 Continuing Education

Update work knowledge by taking part in educational possibilities, maintaining networks that are personal playing expert companies.

Sound Community Bank is definitely an opportunity that is equal and all sorts of qualified candidates will get consideration for employment without reference to competition, color, faith, intercourse, nationwide origin, sexual orientation, sex identification, impairment status, protected veteran status, or some other characteristic protected for legal reasons.