COMMERCIAL LOAN OFFICER

Job Description

Job Description

Description : SUMMARY :

This position has responsibility for building long term relationships with commercial loan customers, business development, and other community activities. Responsible for commercial loan portfolio by meeting established lending requirements. All other duties and responsibilities as assigned.

ESSENTIAL DUTIES, RESPONSIBILITIES, SKILLS :

• Make and service commercial loans
• Follows current loans and maintains customer relationships
• Presents loan requests to loan committee and Board
• Actively solicits new business prospects; make sales and / or new business calls
• Interview applicants to develop information regarding their business, lending needs, earnings and creditworthiness
• Approves / rejects loans within lending authority
• Operates with moderate lending authority and independence
• Maintains communication with the professional community to identify new business prospects
• Participates in professional and civic organization activities to promote a high profile for the bank in community and business prospects

SUPERVISORY RESPONSIBILITIES :

None

QUALIFICATION REQUIREMENTS :

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily and maintain confidentiality and professionalism. The requirements listed below are representative of the knowledge, skill and / or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and / or EXPERIENCE :

verbally exchange information with customers and vendors.

apply concepts such as fractions percentages, ratios, and proportions to practical situations.

situations.

INTERPERSONAL SKILLS :

This position is required to deal with internal as well as external customers, in a positive, “Quality Customer Service” manner. An open, willing to assist approach to work is expected along with the ability to work beyond their normal job duties as the situation requires. Interpersonal and problem-solving skills are required. This position will have access to highly confidential information that must be handled in a professional manner.

PHYSICAL DEMANDS :

While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit; use hands to finger, handle or feel; and reach with hands and arms. The employee is occasionally required to stand; walk; climb or balance; stop, kneel, crouch, or crawl. The employee must frequently lift and / or move up to 15 pounds and occasionally lift and / or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance, color vision, depth perception and ability to adjust focus.

REASONING ABILITY :

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.

WORK ENVIRONMENT :

The noise level in the work environment is usually moderate / conversational.

Requirements :