Commercial Lender

Responsible for originating, underwriting and closing Commercial Loans and managing a loan portfolio in accordance with Bank policies and regulatory lending guidelines along with developing, maintaining and servicing loan customers and cross selling of bank products to expand existing and new relationships. As well as providing community involvement in roles deemed necessary for future professional growth and maintaining the Bank's image as a Community Bank.Duties And ResponsibilitiesCall on existing customers to retain and expand relationshipsDevelop new customers and prospects to achieve individual goalsInterview prospective customers to understand their loan request and businessProvide financial consultation and analysis to assist customers in determining their borrowing capacityGather financial statements, analyze the loan request and physically inspect collateralStructure and price the loan within the Bank's underwriting and pricing guidelinesUnderwrite loan files through evaluation of appraisals, title insurance, credit reports and other loan specific criteriaRespond promptly to underwriting questions or additional documentation while loan request is in Credit to minimize the turnaround time from loan request to closingReview and familiarize themselves with policy and procedure changes to ensure they are in complianceReview loan presentations for accuracy and compliance with Loan Policies and pricing guidelines prior to submitting for approvalApprove loans within their lending limitsMake recommendations of loans for approval under bank policy and pricing guidelinesReview loan documents, thoroughly, prior to the borrower signing to ensure accuracy and all required loan documents are includedActively participate in Officer Loan Committee with questions and suggestions to improve credit requests and voting promptlyMaintain past dues at an acceptable level by actively collecting on past due loansAccurate timing of loan renewals with review of risk, rates and feesTimely collection of updated financial information for existing customersCollect on expired insuranceParticipate in social, service & community organizationsExpand banking relationships from Transactional to Primary by promoting and explaining other bank products and through joint calli...