Commercial Lender

Position Summary

Makes and services a variety of commercial loans; assists senior officers in handling larger and more complicated loans, and provides other customer services as may be required. Operates with limited credit authority.

Essential Duties and Responsibilities

  • Attending to the needs of present and potential customers seeking loans that may involve unsecured funds and/or credit secured by mortgages or other collateral.
  • Interviews applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
  • Obtains and directs the analysis of all necessary financial data.
  • Conducts credit checks and makes plant or company visits as necessary
  • Makes decisions on loans and terms if within own lending limits, or makes recommendations to a superior.
  • Following current loans to ensure complete conformity with terms and cognizance of developing trends.
  • Participating with and assisting senior loan officers on larger loans.
  • Obtains and analyzes financial data and provides service on approved line of credit, equipment financing loans, etc.
  • Calling on potential or existing customers and introducing customers to other departments when a service can be rendered.
  • Providing customers with routine platform services, such as approving checks for cashing or handling customer problems.
  • Focus on cross selling activities.
  • Record call activity in the Bank s Share Point tracking system or LoanVantage program as required.
  • Comply and adhere to the Bank s credit policy.
  • Comply with Bank s established appraisal Review functions and validity checks.
  • Adheres to the BSA Policy and all other Bank Policies.
  • Work with Customers to correct/clear loan exceptions as needed.
  • Comply with applicable customer call programs.
  • Other duties and responsibilities as may be assigned by supervisor.

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