Job Summary:

Responsible for the development, maintenance, and growth of a commercial loan portfolio. Responsibilities include discussing loan opportunities with customers and analyzing loan requests for all types of commercial loans. This will include a mixture of real estate and corporate and industrial/business loans. You will also be accountable for approving, documenting, and monitoring commercial loans while adhering to all bank policies, procedures, and banking regulations. Additionally, you will be responsible for recommending deposit and cash management solutions and along with a broad array of lending products to meet business clients' cash flow and capital needs. As part of your role, you will be expected to solicit new, profitable business relationships as well as develop and manage existing account relationships in conjunction with bank goals. You will be encouraged to represent the bank in its market through active participation in community affairs.

Essential Duties & Responsibilities:
• Meet with customers to discuss loan opportunities and gather financial information required to analyze new loans
• Analyze customers' financial condition and credit worthiness to determine feasibility of granting loans
• Structure loans within policy and champion loan opportunities to the underwriting and credit departments or loan committee for proper approval
• Review loan documents to ensure they are complete and accurate according to policy to ensure timely loan closing and funding activities
• Service existing customers and enhance relationships by cross selling additional business and personal banking products and services
• Manage delinquent accounts by documenting and following Bank policies for collection
• Develop referral relationships in order to proactively solicit business and conduct sales-related activities to meet specific loan, deposit and cross-sell goals
• Maintain an active calling program in an effort to attract new business opportunities
• Involvement is encouraged in the local community to assist in developing relationships with local business and government leaders of our communities through boards, clubs, luncheons, events, and professional organizations.

Personnel Management:

This position has no supervisory responsibilities.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• The physical activities of this position may include climbing, reaching, standing, lifting, talking, hearing and performing repetitive motions.
• Medium exertion; exerting up to 50 pounds of force occasionally, and or up to 20 pounds of force frequently, and or up to 10 pounds of force constantly to move objects.
• The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; viewing a computer terminal.

Work Environment:

The work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• The noise level in the work environment is usually moderate.
• Employees, who work 7 ½ continuous hours or more, must take a 30 minute uninterrupted lunch break no later than 5 hours after beginning their work day

Education and Qualifications Essential:
• Bachelor's degree from a four-year university or college; plus 2 years or more of related experience and/or training
• BSA and other Bank related training through BAI is required annually
• Overview course provided by MCB

Experience Essential:
• Track record of excellent customer service
• Strong written and verbal communication skills are required along with a proficiency in the Microsoft Office Suite of programs

This job description is not an employment contract, implied or otherwise; therefore, employment relationship remains "at-will."