Full Job Description
Job Summary:
Responsible for the development, maintenance and growth of individual commercial loan portfolio. Includes interviewing, screening and analyzing loan requests for all types of commercial loans. Also responsible for approving, documenting and collecting or denying commercial loans while adhering to all bank policies, procedures and banking regulations. Responsible for all aspects of loans as well as providing deposit and cash management solutions and a broad array of lending products to meet business clients' capital needs. Soliciting new profitable business relationships as well as developing and managing existing account relationships in conjunction with bank goals.
Essential Duties & Responsibilities
• Meet with applicants to obtain information for loan applications and to answer questions about the process
• Explain to customers the different loan and credit products that are available, as well as the terms of those services
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements and other financial information
• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
• Structuring, underwriting and presenting loan requests in accordance with internal policies and procedures
• Responding to customer information requests or inquiries involving commercial loans
• Review and update credit and loan files
• Review loan documents to ensure they are complete and accurate according to policy and prepare and organize loan documents for closing
• Adhere to credit policies, credit lines, procedures and standards in conjunction with senior managers
• Service existing customers and enhance relationship by cross selling business and personal products
• Service delinquent accounts by documenting and following Bank policies for collection
• Maintain orderly and complete financial reporting and documentation for all customers
• Develop referral relationships to proactively solicit business and conduct sales-related activities to meet specific loan volume origination goals
• Involvement in local community through clubs, luncheons, business organizations, etc. and developing relationships with local government and business leaders of community
• Maintain and update calling program in effort to attract new business opportunities
Supervisory Requirements
Personnel Management: This position has none
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 workday.
Education and Qualifications
Essential:
• High school diploma or equivalent
• Bachelor's degree from a four-year university or college; or 5 to 10 years related experience and/or training; or equivalent combination of education and experience
• BSA and other Bank related training through BAI is required annually
• Overview course provided by MCB
This job description is not an employment contract, implied or otherwise; therefore, employment relationship remains "at-will."
