Senior Commercial Loan Officer

Job Description:
Role
Services large secured and unsecured loans or lines of credit for important customers. Calls on potential and existing customers to develop business. Counsels and advises customers and potential clients. Interviews applicants and assesses loan risks. Makes decisions on loans and terms within established lending limits, or makes recommendations to a supervisor. Follows loan status. Makes recommendations on financial and organization structure, location, and other matters on which the company may have information. Guides the credit department or junior officers in the development and analysis of financial background data for new or renewed loans.
Essential Duties & Responsibilities

• Conducts commercial lending business development sales calls to generate business opportunities including lending services and other Bank products and services.
• Originates Commercial Loan and obtains necessary documentation from customer. Follows loan status.
• Analyzes the credit history of applicants and determines their loan repayment capabilities. Negotiates credit terms, such as costs, loan repayment method and collateral specifications.
• Maintains a loan portfolio the past dues, classified, and exceptions within the Bank's Policy and Peer Group Standards.
• Perform other duties as assigned.
• Participate in proactive team efforts to achieve departmental and company goals.
• Must comply with current applicable laws, regulations and bank policies and procedures. Comply with all safety policies, practices and procedures. Report all unsafe activities to supervisor and/or Human Resources.

Experience
Ten to fifteen years of similar or related experience.
Education/Certifications/Licenses
A bachelor's degree is preferred. Completes NMLS registration requirements. A driver's license is required.
Skills

• Oral and written communication skills. Customer service skills. Judgment. Leadership skills.
• A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.

CapFed® is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.