Title:  Commercial Loan Officer

Reports To:

Chief Lending Officer

Summary: Interviews commercial loan applicants and makes credit decisions within established guidelines. Processes loan applications, prepares appropriate documentation; generates new business while maintaining customer relationships; manages a portfolio of commercial loans; and may coordinate some collection efforts.

Essential Duties and Responsibilities:

• Monitors loan policy compliance.
• Reviews new note audit report and loan input sheets to CIS file maintenance report for accuracy.
• Reviews credit files on new loans for proper documentation.
• Review analysis of activities. Costs, operation, and forecast date to determine department or division progress toward stated goals and objectives.
• Travel to various customer locations to interview applicants and request specific information for loan application, financial statements, credit reports, and tax returns.
• Spend most of the time meeting with customers and prospective customers at the customers’ location.
• Analyze the financial status of the customer.
• Analyze the applicant’s assets and liabilities to determine feasibility of granting secured or unsecured loan.
• Approve loan within certain limits or discuss with Chief Lending Officer for approval.
• Ensure loan agreements are complete and accurate according to policy.
• Collect past due accounts through phone calls, sending correspondence, or personal visit.
• Other duties as assigned.

Knowledge, Skills, and Abilities:

• Ability to work well under pressure.
• Strong communication skills, including the ability to read, write, and speak English.
• Analytical Skills.
• Ability to work independently in making business development calls.
• Incentive pay is 15bp’s to 25bp’s depending on production.

Education and Experience:

• Bachelor’s Degree in Business Administration or related field; three-five years related experience and/or training; or equivalent combination of education and experience.
• Minimum of two years of credit analysis, credit review process, or commercial lending experience.