VP, Commercial Loan Officer

Description

Establishes and manages a portfolio of Commercial clients by performing the following duties. 

Ensures compliance within all Bank policies and procedures, as well as all applicable state and federal banking regulations.

Essential Duties and Responsibilities:

• Generates and screens leads following established policies and procedures to attain new business relationships and product sales
• Calls and visits target customers to promote and sell established products and services
• Interviews applicant and requests specified information for loan application
• Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation
• Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation
• Corresponds with or interviews applicant or creditors to resolve questions regarding application information 
• Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms
• Recommends loan to loan committee for approval 
• Ensures loan documentation is complete and accurate according to policy and loan approval
• Assures timely loan closing and funding activities
• Manages credit quality of specified credit portfolio 
• Identifies and analyzes potential loan markets to develop prospects for commercial loans
• Advises Chief Loan Officer of external factors that may affect establishment of lending policies, such as new or revised legislation and regulations. Recommends and implements appropriate changes to established policies and procedures 
• Promotes and cross-sells other bank products and services as appropriate to customer requirements 
• Provides loan data to support marketing and sales promotion programs
• Other duties as assigned

Supervisory Responsibilities: This job does not have any supervisory responsibilities.

Qualifications:

• Bachelor’s degree in business or related field preferred
• Minimum 5 years Commercial Real Estate & Business lending experience
• Familiar with basic real estate terms and markets
• Proficient in the following software applications:  MS Word, Excel, Outlook, Moody’s Risk Analytics
• Excellent written and verbal communication

Physical/Mental Demands & Work Environment:

The incumbent in the course of performing this position frequently spends time writing, typing, speaking, listening, operating basic business equipment, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, walking, standing, reading documents or instruments, detailed work, problem solving, client contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions. The incumbent for this position will occasionally lift up to 15 pounds, pull, squat, kneel and reach. The incumbent is in a non-confined office-type setting in which he or she is free to move about at will. The work environment is typically quiet to a moderate noise level.

Travel is required. It is primarily local during the business day, and occasionally there will be out-of-area and overnight travel. 

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Management reserves the right to change this position description at any time.

Requirements

Salary : $108,000 - $160,000