PLACE EXPLANATION The Commercial Loan Officer II is in charge of supplying expert lending that is commercial to current and potential bank consumers. The Commercial Loan Officer II is anticipated to reach their production that is certain and calling objectives and precisely handle their assigned loan profile.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus no less than 3 – 5 years of progressively responsible Commercial Lending experience. Trustworthiness and sensitiveness are crucial. Experience competencies needed consist of, but they are not restricted to: ? capacity to underwrite credit needs, determine appropriate loan framework and current proposed loan needs 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 ability and ratio analysis ? Good knowledge of monetary statements including stability sheets, earnings statements and declaration of cash flows ? exemplary relationship building and social skills ? Strong client focus ? Strong organizational and multi-tasking skills in a fast-paced environment ? exceptional verbal and written interaction skills ? exceptional proofreading abilities with a powerful focus on detail ? capability to work both individually and also as a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? i . t knowledge is a bonus. ? will need to have legitimate driver’s permit and usage of an insured car
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II works closely because of the Commercial Team Lead and Commercial Banking Manager to control lending that is existing and develop brand brand brand new customer relationships to attract future financing opportunities for the bank. The Commercial Loan Officer II will be able to work closely because of the Bank’s Credit Analysts to help in analysis of credit demands and planning of Credit Write ups.
Outside Bank Position maintains regular and close working relationship with a selection of facilities of impact, community leaders and company experts.
Responsibility # 1 Loan Production and Maintenance
Track loan that is existing to keep a superior quality asset base and help in number of delinquent loans
Negotiate renewals of credit facilities. Suggest approval of loan re payments, construction draw requests, draws from personal lines of credit and funds transfers with specified limitations
Responsibility # 2 Credit and Borrower Research
Screen prospective commercial borrowers by analyzing their company plan, techniques, and projections, also, historical monetary statements and business results
Speak to existing clients and leads through different ways to talk about company requirements and suggest ways that the lender can offer solutions
Make use of Credit Analysts to accurately review borrower that is prospective and coordinate processing of approved loans
Test monetary loan covenants and prepare yearly 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 get brand new top quality loan and deposit company to produce volume and/or manufacturing objective
Represent SCB at different community functions and professional/civic groups to further enhance the Bank’s image and exposure
Responsibility # 4 Continuing Education
Update job knowledge by taking part in academic possibilities, keeping networks that are personal taking part in expert businesses.
Sound Community Bank is an opportunity that is equal and all sorts of qualified candidates will receive consideration for work without reference to battle, color, faith, intercourse, nationwide beginning, intimate orientation, gender identification, disability status, protected veteran status, or other characteristic protected for legal reasons.