Job Description

Position Purpose

Responsible for receiving, reviewing, and evaluating commercial loan requests. Meets with applicants to explain credit policies and to obtain loan information and documentation. Monitors and reviews construction and development loans. Maintains repossessed properties and assists in collections' activities. Serves borrowers and prospective borrowers promptly and professionally. Provides general Bank information and cross sells services. Assists Commercial Lending personnel as needed.

Essential Functions and Basic Duties

1. Assumes responsibility for the effective and professional completion of assigned commercial loan functions.
   • Interviews, takes applications, and processes preliminary documentation on commercial loan requests. Discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from customers.
   • Analyzes and evaluates loan requests and prepares written submission for consideration by the Commercial Loan Committee. Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problems.
   • Assists in review of construction loan advances on commercial properties.
   • Conducts property inspections as assigned.
   • Follows-up on all matured loans.
   • Assists in the collection of delinquent accounts.
   • Completes lending functions in accordance with established Bank policies and legal requirements.
2. Assumes responsibility for establishing and maintaining effective and professional business relations with customers and trade professionals.
   • Answers questions and resolves requests.
   • Keeps borrowers informed of Bank loan policies and services.
   • Meets with applicants whose loans are denied and explains reasons and alternatives.
   • Maintains and projects the Bank's professional reputation.
3. Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Bank personnel and with management.
   • Coordinates functions with related departments and branches and provides support as needed.
   • Assists Commercial Lending personnel and provides support as needed
   • Keeps management informed of area activities and of any significant problems
   • Attends and participates in meetings and committees as required. Serves as a member of the Commercial Loan Committee.
   • Completes required reports and records.
4. Assumes responsibility for related duties as required or assigned.
   • Cross sells Bank services.
   • Stays informed regarding changes in lending standards and related legal requirements.
   • Completes special projects as assigned.
   • Ensures that work area is clean, secure, and well maintained.

Performance Measurements

1. Lending and related collections functions are effectively performed in accordance with established Bank policies and with legal and regulatory requirements.
2. Loan documentation, records, and reports are accurate, timely, and complete.
3. Loan applications are closely and effectively analyzed and evaluated. Lending practices are "safe and sound".
4. Professional business relations exist with customers and trade professionals. Questions and problems are promptly and courteously resolved. Programs and services are thoroughly explained.
5. Good working relations exist with Bank personnel and with management. Assistance is provided as needed. Management is appropriately informed.

Education/Certification:

Associate degree in business or a related field, or an equivalent combination of training and work experience.

Required Knowledge:

Knowledge of Bank lending and collections programs, policies, and procedures.

Familiarity with property management and maintenance procedures.

Understanding of financial analysis and determination of credit worthiness.

Experience Required:

Three to five years of lending experience.

Commercial Lending experience preferred.

Real estate and origination background preferred

Skills/Abilities:

Excellent communication and public relations skills.

Strong analytical abilities.

Solid interviewing skills.

Able to use financial calculator and related computer applications and business machines.

Physical Activities and Requirements of this Position

Talking

Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

Average Hearing

Able to hear average or normal conversations and receive ordinary information.

Repetitive Motion

Movements frequently and regularly required using the wrists, hands, and/or fingers.

Average Visual Abilities

Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.

Physical Strength

Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.)

Working Conditions

No hazardous or significantly unpleasant conditions (such as in a typical office).

Mental Activities and Requirements of this Position

Reasoning Ability:

Ability to deal with a variety of variables under only limited standardization.

Able to interpret various instructions.

Mathematics Ability:

Ability to compute discount, interest, profit, and loss; commission markup and selling price; and ratio, proportion, and percentage.

Able to perform very simple algebra.

Language Ability:

Ability to read a variety of books, magazines, instruction manuals, atlases, and encyclopedias.

Ability to prepare memos, reports, and essays using proper punctuation, spelling, and grammar.

Ability to communicate distinctly with appropriate pauses and emphasis, correct pronunciation (or sign equivalent), and variation in word order using present, perfect, and future tenses.