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- Manages business development by acquiring new commercial banking business by utilizing effective calling techniques to achieve corporate growth; maintains and develops relationships with centers of influence including, accountants, attorneys, community leaders, professional and/or social organizations; attends networking, charity, and corporate functions for prospecting and establishment of relationships. Responsible for meeting or exceeding Commercial Loan Officer Level 2 sales plan.
- Manages portfolios and underwriting by coordinating with clients on accounts and other issues related to the commercial relationships; works with commercial team members to facilitate credit application process, perform site visits, work with underwriter to obtain decisions, and work with underwriting to perform annual reviews of assigned portfolio; identifies, evaluates, structures and documents commercial credit transactions to ensure maximum profitability with reasonable risk; monitors credit quality within assigned portfolios and takes action as appropriate.
- Works closely with other departments to handle client service issues and to cross sell other bank products; handles high level executive account and loan requests to reinforce extraordinary service levels.
- Professionally represents the bank in civic and community functions to further enhance the bank's visibility while increasing business development.
- Acts as a mentor to credit analysts, portfolio managers, and less experienced loan officers.
- Attends training to continually improve sales and presentation skills, commercial, SBA, treasury management knowledge, and other applicable banking knowledge.
- Manages service providers and vendors effectively; structures relationships with service providers in a strategic manner; sets expectations; develops performance metrics; measures vendor performance, provides feedback and holds accountable.
- Complies with all applicable banking laws and regulations, including, but not limited to the Bank Secrecy Act, USA Patriot Act, and related anti-money laundering statutes, and federal consumer protection legislation and regulations.
- Other Duties as assigned.
- Commercial lending/sales experience and a demonstrated track record of success in meeting progressive plan goals, developing commercial business, portfolio management, and effective cross-departmental collaboration is required
- Thorough understanding of commercial lending laws, regulations, and guidelines is required.
- Bachelor's degree in accounting, finance, statistics, business or other related field is required; Master's degree is preferred.
- Proficiency in MS Office [Outlook, Excel, Word] or similar software is required. EasyLender, Cleartouch, OnBase, CreditQuest, various government and investor software/web portals is preferred. CRM software is preferred.
- Experience in financial services or banking is preferred.
- Completed, actively pursuing or willing to begin progressive OBL/ABA certification courses related to position, required.
- Resilience
- Communication
- Service Orientation
- Decisiveness
- Trusted Advisor
- Organizational Skills
- Drive for Results
- Professional Development
- While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak.
- The employee must occasionally lift and/or move up to 25 pounds.
- The noise level in the work environment is usually quiet to moderate.
- This position is performed in an office setting, five days a week with typical work hours being 8.30a through 5.15p.
Commercial Loan Officer - Lakewood, United States - First Mutual Holding Co.
Description
Job Type
Full-time
Description
Position Summary:
The Commercial Loan Officer is responsible for commercial banking for companies up to $60 million in revenue.
Duties and Responsibilities:
Requirements
Qualifications and Skills: