ESSENTIAL DUTIES and RESPONSIBILITIES include, but are not limited to the following:
- Sell business products and services to commercial customers and prospects as opportunities occur or required by management, typically through personal calling efforts or internal/external referrals
- Analyze credit worthiness of commercial borrowers and make recommendations for extending credit
- Develop sales proposals, coordinate preparation of commitment letters, and make sales presentations to clients and prospects.
- Promote and cross-sell other Bank services to existing and prospective clients
- Oversee preparation of legal documents for loan closings
- Monitor risk in loan portfolio and take appropriate action to indemnify and minimize credit risk. Effectively manage collateral and documentation exceptions
- Maintain portfolio delinquency at levels acceptable to management
- Interact with operational and technical areas to resolve problems
- Be active in community/civic/professional organizations that promote the bank and engender networking opportunities
- Adhere to all appropriate service standards
- Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money laundering procedures. Maintain compliance with all appropriate rules and regulations.
- Regular, predictable attendance is an essential requirement of this position
EDUCATION and/or EXPERIENCE:- Bachelor degree in Business Administration or Finance
- Minimum of three (3) years experience as a commercial lender
- Knowledge of Word, Excel, Internet navigation/research, and Outlook is expected
- Ability to clearly and effectively communicate both verbally and in writing
- Frequent travel will be required using reliable personal transportation
