Commercial Loan Officer Team Leader

Job Type

Full-time

Description

General Responsibilities

Responsible for performing various duties to meet the commercial services needs of individuals or business customers as well as developing and managing relationships; achieving customer service goals as established in the division's annual operating plan; directly supervising assigned personnel; complying with operating policies and procedures established for the commercial lending function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports; providing guidance and on-the-job training to Commercial Loan Officer I(s) and II(s), and III(s).

Essential Duties

Performs a variety of duties to meet the commercial services needs of business customers as follows:

• Manages an individual loan portfolio; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities.
• Jointly establishes quantitative sales objectives, with assigned supervisor, on an annual basis; this activity to be integrated with the Bank's annual budget.
• Makes outside calls and solicits new business from present and prospective customers.
• Provides sales information on a timely basis in order that this information may be included as part of customer service and sales performance reports.
• Monitors individual sales performance versus objectives on a regular basis; discusses performance with appropriate supervisor on a frequent basis.
• Serves as a member of the Bank's sales team; makes group sales calls where these types of calls will improve the opportunity for new business development.
• Maintains a thorough knowledge of the features and benefits of all bank commercial products and services in order to ascertain customer needs and to sell in conjunction with these needs.
• Collects and analyzes financial, credit, and related information; provides direct service to commercial customers of the Bank with respect to deposit, loan, and other miscellaneous products and services; negotiates provisions and structures of loans
• Makes presentations to appropriate loan committee.
• Assists customers in obtaining specialized services from other bank departments as necessary; provides help to customers with specific inquiries or service problems.
• Maintains a working knowledge of bank operating policies and procedures which impact commercial services.
• Prepares and maintains accurate records of all customer service calls made and meetings held with present and prospective customers.
• Actively represents the Bank in public relations and other related community activities.
• May attend sales and trade meetings as a bank representative to develop new business and to gain information and leads on new business relationships.
• Monitors loan repayment activities of assigned loan portfolio.

Directly supervises assigned personnel as follows:

• Assists in the selection of new personnel as appropriate.
• Makes provisions for the proper orientation and training of new personnel.
• Reviews employee performance throughout the probationary period and on a regularly scheduled basis thereafter.
• Organizes, schedules, and distributes work among assigned personnel.
• Keeps personnel informed of pertinent policies and procedures affecting the office and/or their jobs; creates an atmosphere in which upward communication from employees is encouraged.
• Administers personnel policies and procedures as established by bank policy.

Requirements

Education/Training: A B.S. or B.A. degree in a related field normally required; specialized commercial banking education and/or training.

Skill(s): Must demonstrate strong communication skills; proficient written, analytical and mathematics skills; proficient interpersonal relations, communicative, and sales skills; a thorough knowledge of the features and benefits of all bank commercial products and services; a working knowledge of bank operating policies and procedures which impact commercial lending; proficient PC skills, including Microsoft Word and Excel; technical skills sufficient to provide guidance and training to Commercial Loan Officer I(s), II(s), and III(s).

Experience: A minimum of nine (9) years' experience in related positions normally required.

Ancillary Duties

Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.

Physical Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the essential job functions of this position, the employee is regularly required to sit, stand, talk, hear, walk, use hands and fingers, handle or feel objects, and reach with hands and arms. At times required to stoop, kneel, bend, crouch and lift up to 25 pounds. This position requires regular use of a computer.