- Responsible for approved types of Commercial loans, including Commercial Real Estate loans, and follow the Bank's lending goals, policies and procedures.
- Interview and counsel existing and prospective customers, on commercial loans and commercial mortgage loans, explain and discuss available options and programs, obtaining financial information and documentation, cross-sell Bank's financial services or products.
- Respond to daily inquiries from customers on lending programs, prospective loan packages, meet prospective borrowers, and review loan packages.
- Provide assistance and guidance to Commercial loan processor(s) and Commercial Pre-closing staff on processing and closing issues.
- Underwrite and analyze commercial loan packages based on lending programs, evaluating and reviewing and reviewing the loan documentation, appraisal and environmental reports; assure that the loan package complies with credit, underwriting standards and lending policies.
- Prepare Greenlight Memorandums, CAM Request, and CAM Amendments as required to help facilitate the underwriting process.
- Compliance with several laws and regulations (i.e. RESPA, HMDA-LAR ECOA, FCRA, Flood D.P.A., C.R.A., Fair Housing Act and Fair Lending, OFAC, U.S. Patriot Act, etc.).
- Supervise, review and sign commitment letters and other administrative-finance issues and operational matters.
- Monitor loan closing, discuss with attorney/closing agents title and contingency problems and other related closing issues.
- Assist in the loan production and other lending related matters, including but not limited to loan collection and foreclosure, annual audits, internal audits as the government regulators examination.
- Process and recommend loan assumptions and/or loan refinance through loan modifications.
- Knowledge of marketing, credit analysis and lending practices with a minimum 2 years of experience in a financial institution or related business.
- Understanding of laws, rules and regulations affecting the banking/lending industry.
- Excellent understanding of financial institution products and services.
- Excellent mathematical, organizational and analytical skills.
- Excellent understanding of financial institution operations, products and services.
- Effective human relations and communications skills.
- Attention to details
- Ability to accomplish the above responsibilities through use of computers.
- Active Driver license is required.
- Able to handle stress
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business relationship officer - Miami, United States - First Bancorp
Description
Business Relationship Officer - Waterford OfficeJob Summary:
To work in conjunction with the Commercial Loan Manager primarily in the management of the commercial loan portfolio under his responsibility, which includes income producing properties in various industries, commercial loans, multifamily loans and other types of commercial loans secured by real estate collateral or other collateral.
Responsibilities include, goals, cross sell of all Bank products, and maintaining a high quality and profitable loan portfolio.Essential Responsibilities:
Maintain and supervise that communication with borrowers and their representatives regarding property/credit/underwriting and processing issues.
The lending officer must inform the Commercial Loan Department Manager of any material risk factor, discrepancy or deviation discovered during the loan processing, underwriting, credit analysis, due diligence, appraisal, environmental, etc.
Independence of Judgment:
Follows established principles, methods, and policies, in addition to existing precedents in corresponding area of expertise, and according to the level as authorized signature.
The impact of errors in this position could impact the credibility and confidence of the customers and could have a considerable economic impact to the Bank, as complaints from clients/investors.
Any errors may impact the compliance and audits results.Interpersonal Communication:
This position requires constant communication with external and internal clients.
Physical Demands:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.
Able to be seated most of the time.
Arms could be expose to repetitive movements.
Specific vision, close and distance vision is required. Use of both hands to finger, handle or feel and talk and hear. Able to lift boxes up to 10 pounds.
Education/Experience:
Employees in this job work in an office environment with a comfortable room temperature, good lighting, and quiet conditions.
Theseemployees are exposed to external elements when representing the corporation at external events and may be required to work extended hours, including holidays, should these coincide with company event.
Disclaimer
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.
The reporting relationship may not reflect the most recent changes to the corporate reporting structure.
EOE/D/V/M/F/DFWP
