Commercial Loan Officer solicits and services a variety of smaller commercial loans. Performs a due diligence review of potential borrowers, including a risk and financial analysis. Being a Commercial Loan Officer approves loans within established limits or presents to loan committee for approval. Monitors and maintains existing commercial loan portfolio. Additionally, Commercial Loan Officer adheres to all regulatory requirements and internal risk and operating policies and procedures. May assist senior loan officers with larger or more complex loans. Typically requires a bachelor's degree. Typically reports to a manager. The Commercial Loan Officer work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Loan Officer typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)
SUMMARY - Prepares and processes commercial loan documentation for all Commercial Loan Officers by providing quality loan service through effective utilization of support services and performing assigned daily duties effectively and efficiently.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned as necessary.
SUPERVISORY RESPONSIBILITIES : This job has no supervisory responsibilities.
QUALIFICATIONS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE:
Associate's degree or equivalent from two-year college or technical school; or one to two years related experience and/or training; or equivalent combination of education and experience. A good understanding of financial institution products and services is also necessary.
TECHNICAL SKILLS:
Must be proficient in Microsoft Word and Excel. The ability to work with various browser based systems and software systems is mandatory. Must be willing to learn new systems and not have any issues with emerging technology.
LANGUAGE SKILLS:
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and policies using proper grammar and accurate spelling. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
MATHEMATICAL SKILLS: Ability to calculate figures and amounts such as discounts, interest, and percentages.
REASONING ABILITY:
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Desire to understand and utilize systems to their utmost capabilities. Organizational, priority setting, and decision-making skills are also required.
PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands and fingers to operate office equipment such as keyboards, telephones, etc. and to talk and hear. The employee frequently is required to reach with hands and arms. The employee is occasionally required to stand; walk; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and ability to adjust focus.
WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate to above moderate.
Equal Opportunity Employer, including disability and protected veteran status.
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