Commercial Loan Officer

The Commercial Loan Officer solicits and services a variety of commercial loans. Interviews applicants, obtains and reviews required financial information. Builds a highly visible reputation as the commercial loan expert, resulting in the generation of quality commercial loans that meet the criteria of the Bank's loan policies. Essential Functions Approve or deny loans within established limits, and present loans to the Loan Committee. Originate a volume of commercial loans that meets the Bank's goals and objectives. Perform initial collection efforts on assigned portfolio of loans. Provide recommendations for portfolio management, loan structuring, and underwriting. Review and assist in the preparation of Credit Proposals. Prepare commercial loan documentation in conformity with the loan approval. Actively participate in ongoing business development by calling on prospective and existing clients to nurture ongoing relationships for lending and deposit services. Foster relationships with centers of influence to create referral sources. Meet with customers' senior management and visit their facilities in order to understand their business. Evaluate prospective loan requests; review customer's financial, credit, and collateral information to determine viability of the loan request and the appropriate loan structure. Negotiate terms with the customer that reflect the customer's need and the Bank's asset quality standards. Oversee and manage an assigned loan portfolio by reviewing the customer's financial status and ongoing operations. Maintain a credit file on each customer including financial data, correspondence, and other pertinent documents. Develop workout programs when appropriate. Work with outside legal counsel to ensure that proper documentation is in place for new and existing loans. Represent the Bank in various community and industry related activities. Maintain knowledge of regulatory compliance and developments for assigned area. Required Education and Experience 5 or more years of experience in commercial lending Knowledge of loan products, and lending compliance and regulations Experience in commercial lending department function and procedures Knowledge of commercial loan underwriting requirements Preferred Background and Experience Bachelors in Business Administration with concentration in Finance, Economics or Accounting. Required Competencies Demonstration of the Bank's Core Values of Kindness, Integrity, Community, Teamwork, and Excellence Excellent verbal and written communication skills Strong business acumen, analytical skills, attention to detail, and sound decision making Demonstration of ethical conduct and financial management Travel At least 75% daytime travel between offices, bank branches, and customers' locations.