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Responsibilities and Duties

Primary Responsibilities

  • Engages in business development activities and solicitation of new business.
  • Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.
  • Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
  • Gathers and analyzes all information necessary to present a financing request to senior management or Director Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; refers and recommends approval to the Chief Credit Officer, CEO, and/or Director Loan Committee.
  • Coordinates processing of approved loans; ensures loans are processed according to agreement, client needs and conform to Bank lending policies; obtains sufficient information and/or documentation from clients; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
  • Ensures proper collateral position is achieved.
  • Negotiates, underwrites and processes renewals of credit facilities.
  • Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
  • Contributes to the overall profitability of the Bank.
  • Represents the Bank in various civic, community development, and CRA functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
  • Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
  • Directly responsible in meeting annual deposit and loan growth goals assigned by senior management.
  • Monitors assigned loan portfolio and follows up with clients to ensure adherence to financial covenants.
  • Develops and maintains knowledge of Bank policy, financial industry, client industries, the general economy, market conditions, rates, vendors and competition; uses this knowledge to improve the renewal and loan servicing process.

Qualifications and Skills


  • Bachelor’s degree or equivalent from an accredited college or university and five (5) years or more related experience and/or training; or the equivalent combination of education and experience.
  • Work related experience should consist of:
  • An in-depth background in commercial lending, including: soliciting, negotiating, underwriting and closing of commercial loans. Experience in SBA lending a plus.
  • Financial analysis, bank operations, and compliance.
  • Demonstrated ability to analyze various financial statements, tax returns, cash flow, and business operations.
  • Comprehensive working knowledge of Bank products, services and regulations and statutes associated with banking service and commercial loans.
  • Working knowledge of Bank policies and procedures, and the Bank’s products and services
  • Advanced experience, knowledge and training in all lending activities and terminology.
  • Advanced knowledge of commercial, construction, and real estate loan processing.
  • Ability to develop marketing and business development skills with clients.
  • Exceptional oral, written and interpersonal communication skills.
  • Exceptional organizational and time management skills.
  • Ability to work with no supervision while performing duties.

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