The purpose of this job is to use commercial lending skills to provide practical application in the areas of portfolio management, preparation of loan packages, property inspections, relationship development and other duties as needed in such a way as to contribute to the overall achievement of departmental goals.

This position may be filled as a Level I, II, or III. Additional qualifications and responsibilities apply.

Responsibilities

Determination of data required for loan packages

Portfolio management decisions within credit authority

Loan pricing decisions within authority

Determine which customers are potential candidates for expanded services and identify qualified prospects

Practice commercial loan portfolio management skills through practical application of assigned portfolio including project analysis, loan underwriting, proper risk analysis and identification of risk rate, packaging and presentation, renewal processing, loan doc prep and closing, collateral analysis, past due notice management, etc. Work with Audit, Loan Review and the OCC as needed

Practice business development skills through the practical application of performing business calls to customers and prospective customers in order to gain further experience in outside loan production and negotiations and support achievement of new business goals

Provide high level of customer service to existing clients in order to build relationships, to expand development of business and to identify and create cross sell opportunities for other product lines

Maintains professional community relations to increase the bank’s visibility and new business opportunities, and to further personal development.

Level II Additional Responsibilities:

Recommendations for credit approval to Senior Loan Committee

Business development strategies, including prospect list development

Recommend promotional sponsorships to senior management

Maximizes the department’s profitability through the maintenance of a high-quality loan portfolio. Has credit authority on large and complex accounts.

Actively participates in business development activities for the purpose of attracting additional profitable business for the bank.

Provides guidance to less experienced relationship managers.

Cross-sell additional products and services to existing customer base and asks for referrals

Level III Additional Responsibilities:

Portfolio management and pricing decisions within credit authority

Has a leadership role in the bank’s business development activities. Attracts new business relationships and expands existing business relationships through the call program.

Approves or rejects loans exceeding the credit authority of subordinate relationship managers up to approved lending limits

Qualifications

Bachelor’s degree in business, finance, accounting, related field, or equivalent experience

Minimum of three years proven and progressive commercial lending/credit experience or equivalent

Experience with real estate or commercial lending risk analysis

Developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations

Practical working knowledge of sales principles

Detailed knowledge of credit analysis practice and procedure

Familiarity with products and services offered by financial services institutions

Effective oral and written communication skills

Excellent interpersonal skills

Developed decision making and persuasion skills

Proven ability to build relationships

Time management/organization skills

Computer skills to include word processing and spreadsheet application

Customer contact and sales and service skills

Level II Additional Qualifications:

Minimum 5 years of progressively increasing commercial lending experience

Knowledge of pricing models as it relates to profitability of lending unit

Fully developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations

Knowledge of sales principles

In-depth knowledge of products and services offered by financial services institutions

Strong analysis, judgment, and communication (oral and written) skills

Should possess excellent negotiation and problem-solving skills

Ability to present loan commitments to executive management of customers should be attained prior to this level

Must possess a high level of analytical skills

Must possess effective interpersonal skills

Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the association and the borrower

Motivation and initiative are essential

Level III Additional Qualifications:

Minimum 10 years’ experience managing a commercial loan portfolio with a proven track record in sales ability/aptitude and business development

Results-oriented, flexible, and demonstrated ability to prioritize work assignments.

Physical Requirements/Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.

Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.

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