Sound Community Bank: Commercial Loan Officer II. Will need to have a broad knowledge of Bank operations and compliance that is regulatory like the Bank Secrecy Act.
Commercial Loan Officer II
POSITION EXPLANATION The Commercial Loan Officer II is in charge of providing expert commercial financing solutions to current and potential bank consumers. The Commercial Loan Officer II is anticipated to reach their specific manufacturing and client calling objectives and precisely handle their assigned loan portfolio.
PLACE QUALIFICATIONS Bachelors’ degree preferred, plus at the least 3 – five years of progressively responsible Commercial experience that is lending. Trustworthiness and sensitiveness are necessary. Experience competencies needed 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 ? capability to assess and grade credit risk, financial obligation solution ability and ratio analysis ? Good knowledge of monetary statements including stability sheets, income statements and declaration of cash flows ? exemplary relationship building and interpersonal skills ? Strong client focus ? Strong organizational and multi-tasking skills in a fast-paced environment ? exceptional verbal and written interaction skills ? exemplary proofreading abilities with a powerful focus on detail ? capability to work both individually so when a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? i . t knowledge is a bonus. ? should have legitimate driver’s permit and http://www.homeloansplus.org/payday-loans-ut use of a vehicle that is insured
Will need to have a broad knowledge of Bank operations and regulatory conformity, like the Bank Secrecy Act.
RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II works closely because of the Commercial Team Lead and Commercial Banking Manager to handle lending that is existing and develop new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II will continue to work closely utilizing 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.
PLACE OBLIGATIONS
Responsibility # 1 Loan Production and Upkeep
Originate, underwrite, and solution a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate
Track loan that is existing to keep up a top quality asset base and help out with number of delinquent loans
Negotiate renewals of credit facilities. Suggest approval of loan re re payments, construction draw requests, draws from credit lines and funds transfers with specified limitations
Responsibility # 2 Credit and Borrower Review
Screen possible commercial borrowers by analyzing their company plan, techniques, and projections, in addition to, historical monetary statements and company outcomes
Speak to current clients and leads through various techniques to talk about company requirements and suggest ways that the financial institution can offer solutions
Make use of Credit Analysts to accurately review borrower that is prospective and coordinate processing of approved loans
Test loan that is financial and prepare yearly term loan reviews
Ensure all loan papers are correct, recorded/perfected and signed.
Ensure all supporting paperwork is complete and signed whenever necessary.
Responsibility #3 Start Up Business Developing / Community Outreach
take part in company development tasks and obtain brand brand brand new quality that is high and deposit company to reach volume and/or manufacturing objective
Express SCB at different community functions and professional/civic groups to further enhance the Bank’s image and exposure
Responsibility # 4 Continuing Education
Update work knowledge by participating in academic possibilities, keeping individual companies and taking part in expert companies.
Sound Community Bank is an equal possibility company and all sorts of qualified candidates will get consideration for work without respect to competition, color, faith, intercourse, national beginning, intimate orientation, sex identification, impairment status, protected veteran status, or other characteristic protected for legal reasons.
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