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Description
Description JOB FUNCTION:
Makes and services a wide variety of business loans, both secured and unsecured, many of which involve large amounts of money and/or key customers. Provides subordinate officers with functional guidance.
Anyone who takes a residential mortgage loan application or offers or negotiates terms of a residential mortgage loan for compensation or gain must register with the National Mortgage Loan system as a Mortgage Loan Officer (MLO). To be registered, the MLO must pass a background check. Failure to comply with registration and annual registration or not pass a criminal background check administered by NMLS will result in termination.
LOAN AUTHORITY:
Average loan authority. Large portfolio. Complex credits.
RESPONSIBILITIES:
? Provides banking services to current and potential customers seeking loans that may involve secured and/or unsecured funds.
? Interviews applicants to develop information concerning their business, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
? Guides the credit department or junior officers in the development and analysis of financial background data for new or renewed loans.
? Obtains all necessary financial data. Analyzes and evaluates financial statements, cash flows, statements of condition and related credit information to determine the creditworthiness of customers.
? Makes decisions on loans and terms of loan within loan authority limits or makes recommendations to a superior.
? Reviews current loans to ensure loans are current and conform to terms, and monitors loans to identify developing trends which may adversely affect loan arrangements.
? Gives financial advice and counsel to customers and prospective customers.
? Studies industrial, commercial, and financial situations relating to new or existing businesses.
? Participates with senior officers on larger loans and lines, and keeps informed as to the status of loans in the department.
? Calls on potential or existing customers to develop new business and increase or retain existing business. Introduces customers to other departments if a service can be rendered.
? Represents the bank in civic, community and industry activities as required.
? Keeps informed of current economic conditions and legislation which may affect customer relationships and the Commercial Lending Department.
? Performs other related job duties and special projects as assigned.
? Incumbent is required to comply with all applicable federal, state and local banking and industry related laws and regulations including but not limited to the bank Secrecy Act.
? Incumbent is responsible for organizational integrity and business ethics as it relates to this position, and communicating this commitment to any applicable subordinates.
? Incumbent may have access to cash, customer accounts and/or sensitive and confidential information.
MINIMUM REQUIRED EDUCATION & EXPERIENCE:
? College degree in Business Administration or equivalent work experience. A degree in Finance or Accounting is preferred.
? Formal credit training.
? Over 5 years of commercial lending experience including management of a commercial loan portfolio.
? Over 5 years of business development experience.
? Experience working with a variety of commercial loan accounts. Experience working with senior lenders on complex accounts is preferred.
MINIMUM REQUIRED KNOWLEDGE:
? Excellent knowledge of commercial lending and retail services, documentation, underwriting and regulatory guidelines.
? Excellent knowledge of banking office lending functions.
? Excellent knowledge of the loan application and loan approval process.
? Knowledge of financial ratios and business principles.
? Understanding of regulatory guidelines.
? Working knowledge of credit analysis and lending functions.
? Working knowledge of all bank products and services.
MINIMUM REQUIRED SKILLS & ABILITIES:
? Superior analytical skills.
? Ability to handle all but the most complex accounts.
? Ability to interpret personal and business tax returns and financial statements.
? Ability to calculate financial ratios and apply basic business principles.
? Excellent interpersonal skills.
? Excellent verbal and written communication skills.
? Ability to effectively manage time and to manage multiple priorities.
? Independent and self motivated.
? Detail oriented.
? Superior presentation skills.
? Ability to make autonomous decisions.
? Superior negotiation skills.
? Must be able to establish and maintain a high level of credibility with all levels of internal and external customers.
ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:
? Ability to work under stress and meet deadlines.
? Ability to read and interpret loan documents, credit data and personal data to perform the essential job functions.
? Ability to travel if required to perform the essential job functions.
? Ability to lift/move/carry approximately 20 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an undue hardship then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.
DISCLAIMER
This job description is only valid as of the date it was created. Please contact the HR Compensation Department to obtain the latest version. Information contained herein should be treated as confidential and private
Details:
Job Id:
28266306
Posted / Updated:
3/7/2012 3:43:51 AM
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