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Job Title: Commercial Lending Officer

Reports To: SVP, Head of Residential Lending

FLSA Status: Exempt

Job Class: Professional

Responsible for the origination of Multi-Unit Commercial Real Estate loans including the development of a network of contacts that will refer loans appropriate for the Bank’s portfolio of Commercial Real Estate loans. Maintain a relationship after origination with Commercial Real Estate borrower/guarantor in order to assess any new opportunities or identify risks associate with property or financial status of the borrower/guarantor. Responsible for the completion of the formal annual Loan Review of the Bank’s high aggregate borrower as well as reporting the results to the Senior Loan Committee.

• Make sales calls on realtors and network with individuals capable of referring multi-unit commercial lending real estate leads to the Bank.

• Assist in the modification process for maturing loans including communication with the customer and presentation of the loan terms for final approval or denial by the Senior Loan Committee.

• Respond to loan inquiries in a timely fashion and inform customers of available lending programs, parameters and process requirements.

• Complete all steps to the commercial process from initial term sheet request through loan approval by Senior Loan Committee and accurately complete financial analysis including pro-forma and credit memos.

• Keep management apprised of market trends and concerns in the market place and provide recommendations of responses to these trends.

• Assist in the development and expansion of a more efficient commercial loan process.

• Attend Lending meetings and provide Senior Loan committee updates and files to be reviewed.

• Adhere to all Liberty Bank policies, procedures and customer service standards as they apply to all aspects, duties and responsibilities of this position.

• Adhere to, understand and comply with the Bank’s Standards of Conduct (Code of Ethics) policy. 

• Perform administrative and all other duties as assigned by management.

Education and Experience

• Bachelor’s Degree in Business Administration, finance or related field. MS/MBA desired.

• 5 to 7 years of experience in multi-family, commercial real estate lending

• Advanced understanding of loan documentation criteria and business objectives for the lending department.

• Familiarity with competitive intelligence methods and practices.

• Experience with the use of secondary market research data/audits, in all of the above areas plus working knowledge of dealing with outside strategy consultants.  

• Thorough understanding of underwriting and processing requirements.

Skills and Abilities:

• Sales and business development skills.

• Effective organizational and excellent communication skills both written and oral.

• Excellent interpersonal skills.

• Demonstrated accomplishments in challenging situations requiring leadership of people and customers/stakeholders.

• Ability to work on multiple projects simultaneously, managing time and resources to ensure work is completed efficiently and within established time frames.

• Ability to set example for all employees including courtesy, tact, diplomacy, professionalism and personal presentation.  

• Proficient in Microsoft Office Suite.

Physical Qualifications:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This position requires sitting at length and having a level of dexterity necessary to operate a computer and phone system.

This document describes the current position and it is not an employment contract.