Commercial Loan Officer

POSITION DESCRIPTION

• Responsible for complex installment loans, simple commercial, agriculture, simple operating lines of credit and personal loans over $50,000.
• Responsible for achieving the portfolio growth objectives as established by the VP/Commercial Lending Manager while adhering to established loan policies and procedures.
• Responsible for effective oversight and management of the portfolio through careful analysis, timely review of customer loan performance, and adherence to bank lending policy and procedure.

COMPETENCIES

• Is able to explain Commercial Loan products, complete all documentation and disclosures requirements and close a Commercial Loan within their lending limits with moderate guidance and direction.
• Is able to collect and analyze applications, tax returns and financial statements required for Commercial Loans within their lending limits with moderate guidance and direction.
• Understands Commercial Loan underwriting program and is able to input information into system with moderate guidance and direction.
• Ability to write clearly and concisely.
• Proficient with computer programs that assist with financial analysis and document storage.
• Problem solving
• Interpersonal Savvy
• Integrity and Trust
• Ethics and Values

PRINCIPAL ACCOUNTABILITIES

• Protect the bank from financial loss on loans by timely review of customer loan performance and effective collection procedure.
• Assure complete and accurate loan documentation files, by following banks lending policy and procedure.
• Develop and maintain strong account relationships, both credit and noncredit. .
• Promote a good image of the bank in the community by being involved in civic and charitable activities.
• Performs other related duties as assigned by the VP/Commercial Lending Manager and Credit Administration.

Requirements

• Bachelor's degree or at least 2 years of experience in the field or in a related area.
• Demonstrated ability to grow a loan portfolio and to successfully manage $10,000,000-$20,000,000 in loans.
• Proficient in Word, Excel, Cash Focus, Director, Internet, and demonstrated ability to learn other computer programs.