TITLE: Commercial Lender (Full-Time - Full Benefits)

DESCRIPTION: Examines, evaluates, authorizes or recommends approval of loan applicants for individuals and businesses.

PRIMARY RESPONSIBILITIES:

• Interviews applicants and request specified information for loan application and requests required data for completion.
• Develops business loan and deposit relationships with existing and prospective customers.
• Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan.
• Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.

Approves loan within specified limits or prepares loan presentation to loan committee for approval in compliance with the Banks lending policies and procedures.

• Maintains loan file with current financial information per loan agreement.
• Responsible for monitoring own commercial portfolio, working past due accounts and collection efforts.
• Identifies and analyzes potential loan markets to develop prospects for commercial loans.

REQUIREMENTS:

• Knowledge and understanding of commercial lending with the ability to identify primary and secondary sources of repayment.
• Ability to read, analyze, and interpret financial reporting, technical procedures, bank and governmental regulations.
• Strong communication skills to write reports, business correspondence and effectively present information and responds to questions from groups of managers, clients, or board members.
• Knowledge of word processing, database software and financial spreads.
• Bachelors degree from four year college or university preferred; minimum of five years of commercial lending experience or three years as commercial lender with two years or credit analyst or other related lending experience.