About the Role:

The Assistant Vice President (AVP) Loan Officer plays a critical role in managing and expanding the loan portfolio within the management of companies and enterprises sector. This position is responsible for evaluating, authorizing, and recommending approval of loan applications, ensuring compliance with company policies and regulatory requirements. The AVP Loan Officer will work closely with clients to understand their financial needs and provide tailored lending solutions that support their business growth. Additionally, this role involves collaborating with internal teams to assess risk, monitor loan performance, and develop strategies to mitigate potential losses. Ultimately, the AVP Loan Officer contributes to the financial health and success of the organization by driving loan growth while maintaining high standards of credit quality and customer service.

Minimum Qualifications:

• Bachelor's degree in Finance, Business Administration, Economics, or a related field.
• Minimum of 5 years of experience in commercial lending or loan management.
• Strong knowledge of loan underwriting, credit analysis, and risk assessment.
• Familiarity with relevant banking regulations and compliance standards.
• Excellent communication and interpersonal skills.

Preferred Qualifications:

• Master's degree in Business Administration or Finance.
• Professional certifications such as Certified Commercial Loan Officer (CCLO) or Chartered Financial Analyst (CFA).
• Experience working within the management of companies and enterprises industry.
• Proficiency with loan management software and financial analysis tools.
• Demonstrated success in business development and client relationship management.

Responsibilities:

• Evaluate and analyze loan applications to determine creditworthiness and risk factors.
• Authorize and recommend loan approvals in accordance with company policies and regulatory guidelines.
• Develop and maintain strong relationships with clients to understand their financial needs and provide appropriate lending solutions.
• Collaborate with underwriting, risk management, and compliance teams to ensure loan portfolio quality and adherence to regulations.
• Monitor loan performance and implement strategies to mitigate risk and manage delinquent accounts.
• Prepare detailed loan documentation and reports for internal review and regulatory compliance.
• Stay informed about market trends, economic conditions, and regulatory changes affecting lending practices.
• Participate in business development activities to attract new clients and expand the loan portfolio.

Skills:

The AVP Loan Officer utilizes analytical skills daily to assess loan applications and determine creditworthiness, ensuring sound lending decisions. Strong communication skills are essential for interacting with clients, understanding their needs, and explaining complex financial products clearly. Risk management skills are applied to monitor loan performance and implement strategies to minimize potential losses. Collaboration skills enable effective teamwork with underwriting, compliance, and risk departments to maintain portfolio quality and regulatory adherence. Additionally, business development skills support efforts to grow the loan portfolio by attracting and retaining clients through tailored financial solutions.