Commercial Lender

As a Commercial Lender, you will be responsible for aggressively soliciting and servicing prospective customers producing a variety of commercial loans as well as generating and managing a portfolio of business and corresponding relationships, while seeking new accounts through calling efforts, marketing, and referrals.

Duties and Responsibilities: To perform this job successfully, an individual must be able to perform the following satisfactorily; other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


Develops commercial real estate loans and deposit business by identifying prospects through a variety of sources including calling on and setting up appointments with potential loan prospects.
Analyze financial information including balance sheets, income statements, cash flow statements, and tax returns to form an opinion of creditworthiness of applicants based on sound risk-based examination of strengths and weaknesses. Determine appropriate risk ratings and make recommendations for approval/denial of loan requests.
Responds to walk in and telephone inquiries for commercial real estate loans.
Must possess the ability and willingness to act as a mentor to lesser experienced credit staff including technical guidance, time management skills, lending policy interpretations, and critical decision-making skills.
Provide analytical support directly to the Executive Vice President of Commercial Lending to identify and measure credit risk and emerging trends within the association’s overall loan portfolio.
Identify and generate leads for new business opportunities; obtain and analyze background information on potential customers.
Analyzes client-provided financial information in order to appropriately underwrite and/or present credit structures for approval. Understands credit structures for underwriting commercial loans and adheres to company policies and procedures.
Prepare written credit memorandums for presentation and approval.
Determine the proper risk rating for each transaction.
Monitors compliance with Credit Policy approved terms for ongoing information requirements such as; monthly financial statement information, borrowing base information, and/or loan or letter agreement covenants.
Recommend making loans to Loan Committee, issue letters of credit, lines of credit and pay overdrafts within designated authority.
Calls on customers and makes on site visits to business customers to maintain rapport and to cross-sell other products and services. Calls on CPAs, attorneys, title companies, real estate brokers, and other sources to develop referral sources for new business.
Active in the assessment of annual credit goals and objectives in order to optimize utilization of human and financial resources and in order to achieve corporate financial goal.
Provide input and feedback to executive management regarding credit decisions on specific transactions.
Participate in meetings with other units/departments to provide input and improve the process


Education/Experience:


Bachelor’s degree in Finance, Accounting, Economics, or related field.
10 or more years experience in commercial lending with a concentration in credit analysis
Must have requisite expertise in commercial and real estate underwriting practices along with a balanced knowledge of regulatory governance of commercial lending activities.
Must have experience with both Owner Occupied Loans and C&I Loans

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Reference number US_EN_2_027892_137855