Commercial Lender - Job Description

Title

Commercial Lender

Department(s)

Commercial Lending / Towson

Reports to

Market President for Maryland

Job Summary

The commercial loan officer is responsible for navigating the loan process both for clients and management. They will seek out new business opportunities for the financial institution and keep abreast of any legal issues that might affect loans.

Essential Job Functions

• Analyzes the credit history of applicants and determines their loan repayment capabilities
• Negotiates credit terms, such as costs, loan repayment methods and collateral specifications
• Develops and maintains interest rate structure to be consistent with financial institution policies and procedures
• Evaluates potential customer loan requests and makes loan recommendations to management
• Reviews laws and regulations that influence business lending within the financial institution and makes recommendations to management when necessary
• Develops new customer prospects for middle market lending and will establish new deposit relationships for the financial institution
• Manage an existing portfolio of C&I and CRE loans in the Maryland region.

Job Requirements

• Bachelor's degree in business, finance or related field
• Minimum of 5 years of experience in a financial institution in the commercial loan department
• Extensive knowledge of commercial middle market and real estate lending policies and procedures
• Extensive knowledge of lending services and related areas such as cash management
• Good communication and sales skills

Desired Skills

• Knowledge of underwriting
• Credit trained
• Business development experience

Essential Functions

• Ability to sit, stand, kneel and bend for extended periods of time
• Must be able to operate a computer keyboard, mouse, and other computer components
• Ability to converse and exchange information with customers and all levels of staff within the organization
• Ability to observe, perceive, and identify data
• Ability to travel via air, rail, automobile, and/or bus

Disclaimer

The position for which you are applying is one that would have access to cash, financial instruments, financial transactions, or confidential customer financial information. The Bank has determined that personal financial responsibility is substantially related to preventing misuse or misappropriation of financial instruments or information which is an essential function of the position for which you are applying. A consumer report (including a credit report) and additional background reports are requested of all applicants on that basis.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.

Apply at www.fvcbank.com / Careers Tab