Commercial Loan OfficerMakes and services a variety of business loans for commercial customers. Calls on potential and existing customers to develop new business, to increase existing business and to retain current business. Gives financial advice and counsel to current clients and prospective clients on lending, commercial deposits and fee-based services.Essential FunctionsGenerally manages units of less than $40 million in outstandingsOriginates commercial loans within assigned geographic regionMaintains and services a loan portfolioWorks with centralized credit analyst to monitor creditworthiness of borrowersParticipates with Collection Department on problem loansRetains, expands and attracts customer baseWorks with Branch Managers to develop new business and supports Managers in lending and calling activitiesMonitors loan quality and follows up with borrowers on past due loansParticipates in various community-related activitiesAssists in recovery efforts and collateral liquidationReviews commercial overdrafts dailyPosition RequirementsBachelor's degree, preferably in Banking or FinanceOne to three years commercial experience, including commercial loans, credit analysis and loan reviewWork is generally performed indoors in environmentally controlled conditionsTypically the employee may sit to perform the work.
However, there may be some standing, walking, bending and carrying of light items in the course of the workReasonable accommodations may be made to enable individuals with disabilities to perform the essential functionsCritical Skills / ExpertiseStrong client relations skillsExcellent written and oral communication skillsExcellent sales and negotiation skills