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.

Position: Commercial Relationship
Manager
Reports to: Commercial Banking Executive

We believe in a client-focused approach to local banking. All positions are committed to being
self-managed and entrepreneurial, while consistently embracing growth opportunities. Employees are dedicated to
engaging with other team members in peer-to-peer solutions to propel our bank’s strategic objective of
being the preferred community financial institution across Central Florida. We care about our team members, our clients,
and our communities, and in doing so, our employees demonstrate servant leadership and volunteering within the
community. Our team reflects the characteristics of our core values and leads by example.
POSITION OVERVIEW
The Commercial Relationship Manager is responsible for prudent revenue generation for the bank through the
development of profitable loan and deposit relationships with companies and their owners in the bank’s target market
with established goals and accountabilities pertaining to client service and new business acquisition. Targeted business
revenue size of $2 MM or more. The Commercial Relationship Manager is effective in calling activity, proposal generation,
revenue generation, risk mitigation, and ability to build successful relationships.
DUTIES AND RESPONSIBILITIES
• Lead the local business development activities to promote the Bank’s products and services, ensure the maintenance
of the Bank’s favorable image, and develop full banking relationships with present and potential commercial banking
clients.
• Identify and originate new commercial and personal relationships while managing and maintaining key relationships
of the market.
• Manage the assigned goals of loans, deposits, and business lines.
• Cross-sell related banking services to include Treasury Management, deposit products and referrals to Professional
Banking partners.
• Represent the Bank in industry and professional associations, community organizations, local business groups, etc.,
and promote the Bank’s favorable image. Stay current on trends in the market place.
• Represent the bank at various internal and external functions to promote its services and commitment to the
community, including networking with other professionals.
• Develop information concerning businesses and borrowing needs, repayment abilities, and business earnings to
determine whether a loan is an acceptable risk.
• Gather personal information about clients and businesses in a timely manner to ensure that an informed decision is
made regarding the creditworthiness of the borrower and the probability of repayment.
• Manage the Annual Review process of existing client credit exposure along with the Commercial Support Specialist
partners to assure the timely receipt of all required financial information.
• Utilization of the Banks internal customer relationship management systems and other Bank tools in the day to day
management of existing client portfolio, prospect management process and required calling goals.
• Maintain the credit quality of the assigned portfolio through collaboration with credit partners. Will monitor the
accountability of the assigned loan portfolio on a regular basis.
• Proactively manage past dues, work towards maintaining an acceptable risk tolerance for the portfolio, and
proactively manage through problem loan situations.
• Fulfill responsibilities under the Bank Secrecy Act and Anti-Money Laundering regulations. This may include
identifying customers properly, initiating CTRs and SARs investigations as needed, utilizing OFAC records and
maintaining appropriate records.
• Adheres to Bank’s policies and procedures and all Federal and State laws and regulations.
• Perform ALL other duties, as assigned.

Our client is a growing SE’ern based Community Bank which emphasizes relationship banking. They are looking to hire a Market President to lead their expansion into Destin Florida.

The location will begin as a loan production office with the goal of transitioning to a full-service branch upon profitability.

Qualified candidates will have prior success, and longevity, in market as a proven senior-level commercial lender, ideally with management experience as they will be tasked with building a team.  Successful Commercial Lenders ready to advance into leadership will also be considered.

A lucrative incentive, and competitive benefits will also be offered.

SBA Senior Closing Specialist
CATEGORY SBA
This position reports to the SBA Closing Manager and will perform a variety of SBA loan processing and closing functions, ensuring quality loan documentation, adherence to banking regulations, the SBA Standard Operating Procedures, Bank Loan Policy, and Bank Standard Operating Procedures. Individuals in this position will serve as a subject matter expert and manages a larger, more complex SBA loan pipeline.

In this role, you will have an opportunity to partner with team members and key stakeholders to:

Ensuring Bank SBA 7(a) loans are processed and closed compliant with State and Federal laws and regulations as well as the published SBA SOP.
Actively managing the SBA loan pipeline and meeting critical closing dates.
Preparing and communicating a list of closing needs and requirements for the customer, including applicable forms. Working with borrower, brokers, Bank staff, and attorneys to assist the customer through the closing process.
Ordering, engaging, collecting, and reviewing closing documentation such as, but not limited to entity documents, site inspections, title searches, insurance coverages, collateral descriptions, UCC searches, invoices, bill of sales, etc.
Coordinating the loan closing and loan disbursement(s) with the customer, escrow agent, and/or legal counsel.
This is a full-time salaried exempt position, averaging approximately 40 hours/week. Schedule may vary by time zone, Monday through Friday.

This position is remote eligible. Individuals may choose to work from a designated home office space or may choose to work onsite at any  branch location in Wisconsin and Michigan.

Our recommended and preferred qualifications are:

Degree from four-year college or university and a minimum of 5-10 years of SBA closing experience is desired.
Individuals in this position should possess advanced knowledge of lending principles and SBA 7(a) lending, and a solid understanding of legal documents.
NAGGL Certification preferred.
We are constantly evaluating and improving our benefits. In fact, eligible employees receive over 30 days off per calendar year! That includes 18 days of PTO to begin, PLUS an Anniversary Holiday, Birthday Holiday, Wellness Holiday, and 12 observed Bank Holidays.

Commercial Relationship Manager

Job Summary: Principal responsibilities are to develop new business and manage commercial relationships. Promotes an environment of teamwork within the department and across the bank. Represents the Bank in all they do in the community and is focused on the development of new business relationships.  Must maintain strict standards of confidentiality and perform duties in a manner supporting the bank’s character qualities.

Essential Functions:

• All expectations described in the job description’s essential functions are necessary to be successful in this role, performed with or without a reasonable accommodation.
• Manage a moderate sized loan portfolio relative to the size of the market and other lenders in the market.
• Market and originate loans and business deposit products and Treasury Management services to businesses.
• Administer a portfolio of loans originated maintaining asset quality and conducting appropriate collection efforts.
• Refer prospects to Wealth Management.
• Lending authority will be commensurate with lending experience.
• May have some supervisory responsibilities for Commercial Lenders or Commercial Bank Representatives.

Education and Experience:  The position requires a college degree in business, preferably a major in finance, accounting, or economics. Experience of 5-10 years of lending and managing relationships is required.

Required Skills and Knowledge:  Skills required are financial analysis, sales, relationship management and involvement in community activities, along with good communication skills, verbal and written. The person in this position should be able to interview the customer and structure moderately complex loans with moderate supervision. Basic computer skills for spreadsheet preparation, word processing, and power point presentations. Knowledge of business and personal deposit, treasury management, and loan products including SBA requirements are required.

Required Licenses and/or Certifications:  Nationwide Mortgage Lending System Registered or ability to meet qualifications for registration.