Sound Community Bank: Commercial Loan Officer II. Should have a complete knowledge of Bank operations and compliance that is regulatory like the Bank Secrecy Act.

Commercial Loan Officer II

POSITION DEFINITION The Commercial Loan Officer II is in charge of supplying professional commercial financing solutions to current and prospective bank consumers. The Commercial Loan Officer II is anticipated to realize their particular manufacturing and client calling goals and correctly handle their assigned loan profile.

PLACE QUALIFICATIONS Bachelors’ degree preferred, plus no less than 3 – 5 years of progressively responsible Commercial experience that is lending. Trustworthiness and sensitiveness are crucial. Experience competencies needed consist of, but are not restricted to: ? capacity to underwrite credit needs, determine appropriate loan framework and current proposed loan demands for approval ? Prepare expert Credit Write- Ups for review by Commercial Team Lead, Credit Administration and Loan Committee for approval ? power to assess and grade credit danger, financial obligation solution capability and ratio analysis ? Good knowledge of monetary statements including balance sheets, earnings statements and declaration of cash flows ? exemplary relationship building and social skills ? Strong consumer focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exemplary verbal and written interaction abilities ? exceptional proofreading abilities with a very good awareness of detail ? power to work both separately so when a team player ? Practice flawless ethical behavior and knows the necessity for privacy ? Information Technology knowledge is an advantage. ? will need to have legitimate driver’s permit and usage of a vehicle that is insured

Should have a complete knowledge of Bank operations and compliance that is regulatory such as the Bank Secrecy Act.

RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II works closely using the Commercial Team Lead and Commercial Banking Manager to handle current financing clients and develop brand new customer relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II will be able to work closely using the Bank’s Credit Analysts to help in analysis of credit demands and planning of Credit Write ups.

Outside Bank Position keeps regular and close working relationship with a selection of facilities of impact, community leaders and company experts.


Responsibility # 1 Loan Production and Upkeep

Originate, underwrite, and solution a profile of commercial banking relationships and cross-sells other banking services whenever appropriate

Track current loan portfolios to steadfastly keep up a superior quality asset base and help in number of overdue loans

Negotiate renewals of credit facilities. Suggest approval of loan re re payments, construction draw requests, draws from personal lines of credit and funds transfers with specified limitations

Responsibility # 2 Credit and Borrower Research

Screen possible commercial borrowers by analyzing their company plan, techniques, and projections, in addition to, historical monetary statements and company outcomes

Talk with current clients and leads through different ways to discuss company requirements and suggest ways the lender can offer solutions

Utilize Credit Analysts to accurately review borrower that is prospective and coordinate processing of approved loans

Test economic loan covenants and prepare yearly term loan reviews

Ensure all loan papers are correct, signed and recorded/perfected.

Ensure all supporting paperwork is complete and installment loans OK signed where necessary.

Responsibility #3 Start Up Business Developing / Community Outreach

take part in company development tasks and obtain brand brand new good quality loan and deposit company to realize volume and/or manufacturing objective

Express SCB at different community functions and professional/civic groups to further enhance the Bank’s image and presence

Responsibility # 4 Continuing Education

Update work knowledge by taking part in academic possibilities, keeping individual sites and taking part in expert businesses.

Sound Community Bank is an opportunity that is equal and all sorts of qualified candidates will get consideration for work without reference to battle, color, faith, intercourse, nationwide beginning, intimate orientation, sex identification, impairment status, protected veteran status, or just about any other characteristic protected by law.

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