Commercial Lending Officer

Job Brief: The full-time position of Commercial Lending Officer examines, evaluates, and authorizes or recommends approval of customer applications for commercial loans.

• Develops, manages, maintains and grows sound and profitable commercial banking relationships to meet or exceed sales production goals including loans, deposits and fee income.
• Identifies and structures lending opportunities using SBA 7(a) and 504 programs when appropriate.
• Develops and maintains a solid presence in the community by frequently attending business development and networking functions outside of the bank to develop strong relationships to drive referrals and deal flow
• Promotes and cross-sells other establishment products and services as appropriate to customer needs
• Actively participates in and oversees the credit management process from application through closing and ongoing credit relationship management.
• Interviews prospective applicants to determine commercial loan and banking solutions and gather pertinent information for loan request.
• Submits application to credit analyst for verification and recommendation.
• Identifies and analyzes potential loan markets to develop prospects for commercial loans.
• Facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
• Approves loans within specified limits or presents a loan request to the appropriate loan committee for approval.
• Ensures loan agreements are complete and accurate according to policy.
• Assures timely loan closing and funding activities.
• Complies with all regulations and bank-approved policies and procedures.
• Ensures timely collection of all own-portfolio loans, including pursuing all collection and credit improvement activities on past due and problem loans.
• Pursues correction of all documentation or other exceptions on all own-portfolio loans.

• A minimum of ten (10) years’ banking experience, gaining strong marketing skills, the ability to close loans, and proper preparation of loan packages for loan committee and loan funding.
• Strong, proven loan relationship and credit management skills, including seasoned skills in the active management of problem and workout loans.
• Advanced computer skills, including the use of MS Excel and MS Word and other software used by the Lending Department.
• Prior SBA lending experience a plus but not required.