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Commercial Lender (Full Time)

POSITION PURPOSE

As a Commercial Banker, your primary role will be to grow and retain profitable relationships. This is accomplished by focusing on the delivery of value added solutions to our clients and prospects that will help them reach their goals and maximize our revenues over the life of the relationship. You will be a fully experienced, qualified relationship manager capable of independent activity. You should have proven client relationship skills, as well as extensive product knowledge, technical expertise and strong transaction execution skills. Credit process management is a critical component of your job. Performance will be measured by your effectiveness in many marketing areas, including but not limited to: calling activity, proposal generation, revenue generation, risk mitigation, ability to build successful relationships, and propensity to help build the franchise for the long term. You will also seek opportunities to cross sell into every relationship and anticipate the future needs of the client.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

1. Solicit commercial clients; aggressively seeks and obtains quality new business through client and prospect calls, referrals, and cross selling efforts. . 
2. Obtaining and maintaining COI’s and attending various networking events in the assigned geographic area. 
3. Requires skills and experience loan structuring and credit analysis. 
4. Generating a wide variety of commercial and real estate loans. 
5. Closing loans typically in the $1 million to $10 million range. 
6. Contributes to deposit growth by cross selling and promoting additional banking products 
7. Other duties as assigned. 

QUALIFICATIONS

EDUCATION/CERTIFICATION: 

Bachelor’s degree in banking, finance or other related field is preferred. 

EXPERIENCE REQUIRED:    

Formally credit trained and /or underwriting knowledge and experience is preferred.

Typically a minimum of seven years direct lending or credit support related experience with focus on business relationships

KNOWLEDGE REQUIRED:    

Familiarity of the sales, loan processing and closing processes. 

Extensive knowledge of Commercial Banking products and services including working knowledge of C & I as well as Owner-Occupied and Investment                          

Commercial Real Estate loans. 

SKILLS/ABILITIES:         

Ability to expand loans, client relationships and cross sell bank products. 

Must have good interpersonal and communication skills and proven track record of business development. 



Banking Center President – Lender

Full TimeBkg Ctr President

A Banking Center President/Commercial Lender will be responsible for directing and administering the operational and lending efforts of the branch. Will ensure that established policies and procedures are followed and oversee provision of a full range of services to customers and prospective customers and ensures that customers are promptly and professionally served. Oversees the training, direction, and supervision of branch staff. Monitors quotas and goals of branch transactions, loan volumes, expenses, and profitability. Responsible for receiving, reviewing, and evaluating commercial loan requests. Makes sales calls and meets with applicants to explain credit policies and to obtain loan information and documentation. Monitors and reviews construction, development, and commercial loans. Will assist with repossessed properties and assists in collections’ activities as needed. Serves borrowers and prospective borrowers promptly and professionally. Provides general Bank information and cross sells services along with various other lending and managerial duties.

Required Skills:

Strong interpersonal, leadership, and supervisory skills.

Well organized.

Ability to operate related computer applications and related business equipment.

Attention to detail.

Ability to maintain an effective and efficient workflow.

Required Experience:

At least five years of related experience in a financial institution, with a minimum of two years of supervisory experience. At least five years of lending experience.

Commercial Lending experience required.

Real estate and origination background preferred.

Education/Certification:

Associate degree in business or a related field, or an equivalent combination of training and work experience.

Required Knowledge:

Thorough knowledge of Bank services and products.

Understanding of related legal and regulatory requirements.

Familiarity with Branch functions, policies, and procedures.

Knowledge of Bank lending and collections programs, policies, and procedures.

Familiarity with property management and maintenance procedures.

Understanding of financial analysis and determination of credit worthiness.