Commercial Real Estate Loan Officer

Position Summary

The Commercial CRE Lender develops new commercial real estate loan business and manages a portfolio of commercial real estate loans. The incumbent recommends new lending business for approval and is the primary contact between the borrower and the bank from initial review and for the entire life of the loan. Approves loans within established limits or refers to loan committee for approval. The CRE Lender advises prospects on loan status and approvals and works closely with the Commercial Credit Department to maintain loan quality and ensure the timely and accurate disposition of loan requests. Commercial Real Estate business also includes new construction financing.

Essential Functions

• Ability to generate new business by developing relationships with prospective commercial customers within the target market.
• Further development and increase new business through current COI (center of influence) to leverage new client base.
• Meet with applicants to obtain information; compile and analyze data for loan requests.
• Submit applications to credit analysts for preparation of financial analysis and approval recommendations.
• Recommend products and services to potential borrowers and handle inquiries from applicants including explanation of the loan requirements and process.
• Screen loan requests based on bank policies and procedures and on types of loans offered.
• Prepare loan proposals by gathering pertinent due diligence material to support loan recommendations as presented to Loan Committee.
• Confer and work closely with credit analysts to expeditiously decision loan requests.
• Present loan recommendations to appropriate loan committees.
• Build in-depth knowledge of each assigned loan relationship understanding strengths and weaknesses of borrower and risk to bank.
• Inform borrowers of loan commitments and, advise and explain loan terms and conditions; ensure timely receipt of loan payments; and assist in obtaining proper documentation to secure and substantiate loan.
• Maintain an assigned portfolio of borrowing relationships ensuring timely remittance of loan payments, in adherence to quality and risk standards determined by the bank.
• Build customer relationships by cross selling bank products and services.
• Communicate with people within and outside the organization on a regular basis including regulators, auditors, customers, attorneys, and the general public.

Additional Functions

Job Requirements

Qualifications

Education and Experience

Knowledge, Skills, and Abilities

Physical Requirements

Working Conditions

Company Benefits