VP, Commercial Loan Officer

Description

Essential Functions:

• Contacts new and existing bank clients to determine commercial lending needs and establish or maintain a solid banking relationship; initiates commercial loans as determined by contact with client.
• Develops and retains commercial business, meeting with prospects and customers of moderate size and complexity in a designated region to achieve a moderate sales goal under limited supervision of more experienced personnel.
• Gathers related financial and general business information, performs financial analyses needed to make credit decisions, participates in team credit decisions and communicates with prospects and customers to close sales.
• Performs necessary ongoing research regarding the client’s business, including analysis of financial statements to maintain proper risk rating on assigned credits.
• Provides accurate and adequate documentation for loan files.
• Communicates bank loan decisions with client and services loan upon closing; communicates necessary information to review committee as required.
• Promotes bank products and services through community contacts and involvement.
• Maintain a strong community involvement.
• Assures compliance with required regulations including proper loan documentation.
• Makes calls independently but may be accompanied by more experienced personnel on larger account visits.
• Develops knowledge of commercial and other products and services, including loan policy, documentation, structuring and regulatory requirements.
• Continues developing network of outside referral sources for new business.
• Ensures that own work is in compliance with applicable laws, regulations and guidelines.
• Assumes additional responsibilities as required by the position.

• Minimum of 5 years previous lending experience, including background in credit analysis and commercial lending.
• Bachelor’s degree required. Degree in business, finance, accounting or management preferred.
• High level of integrity.
• Ability to analyze financial statements, with solid attention to detail and accuracy.
• Demonstrated communication, organizational and customer service skills.
• Experience utilizing SBA 7a and 504 Loan products preferred.
• Demonstrated consultative sales skills.
• Excellent communication skills (written, verbal, listening).
• Detail-oriented and well-organized.
• Ability to represent the bank positively in the community.
• Ability to maintain confidentiality and adhere to the institution’s privacy policies.

• Requires significant knowledge of bank products and services.
• Business, analytical, and technical sales expertise are necessary.
• Proficiency with personal computers and Microsoft applications (Outlook, Word, Excel and Power Point) or similar software. Experience with CRM systems is preferred.

• Ability to handle multiple priorities and produce results.
• Ability to work independently as well as part of a team.
• Ability to handle frequent changes.
• Self-motivated/takes initiative.
• Creative/innovative problem solver.
• Demonstrated analytical and problem solving skills.
• Excellent writing, speaking, and presentation skills.
• Ability to make critical decisions with little supervision.
• Possesses networking and business development skills.
• Proven aptitude for successful selling.
• Desire to work in a multi-tasking environment.