Commercial Loan OfficerClackamas County BankDevelop, manage, and grow commercial real estate, small business, and commercial loans that meet the bank's commercial lending criteria and provide profitability to the bank while mitigating risk. Develop and increase commercial and retail deposit accounts and relationships.Description of Duties:Identify, meet and develop prospects to generate new business relationships and secure loans up to $4,500,000Gather and analyze information necessary to present a financing request for approval; meet with existing or potential customer; negotiate loan terms and conditions; refer and recommend loan approval to loan committeeAnalyze customer credit requests, balance sheets, profit and loss statements, and cash flow projections in order to make sound loan decisions and predict future repayment capacityPrepare accurate, quality write ups, cash flows and loan presentations and make recommendations to loan committee on new and renewal loansPossess high level of analytical skills to conduct loan analysis with consideration of market trends, credit, interest rates, economic conditions, and other factorsProvide exceptional level of customer service needed to maintain and grow customer relationshipsManage and grow loan and commercial deposit portfolios. Develop and maintain existing customer base and increase customer relationshipsCross-sell other bank services to customers, i.e., retail deposits, merchant services, cash management, wealth management services, insurance services, etc.Participate in professional associations and represent the bank with community service activities and committeesMonitor and ensure the asset quality of the assigned loan portfolio.
Review delinquency reports and ensure proper collection efforts are being utilized to manage the credit risk of the portfolioAcquire a thorough knowledge of the bank's products and servicesPossess a high level of interpersonal skills to interact with both customers and colleagues in a professional mannerHave an adequate knowledge of both internal policies and procedures and state and federal laws and regulations governing departmental functions to ensure performance of individual job duties.10 years of commercial lending experienceProven track record generating commercial loansStrong analysis and critical thinking skills including credit analysis and loan structuringAbility to adhere to credit quality standards within the bankPrior background in commercial real estate