Commercial Loan Officer – 1237756

Kingman, AZ

Commercial Loan Officer

Location Kingman Branch


Position Summary:

The Commercial Loan Officer will solicit and service a variety commercial loans.  Loan types will include large and complex real estate loans for both owner occupied and non-owner occupied properties.  This could also include investment properties, development properties, and construction loans.  Loans with government backing for SBA 7(a) and SBA 504. Loans for business acquisition and lines of credit.  The loan officer will be responsible for evaluating loan applicants for credit worthiness and will work with the commercial lending team to process originations and manage the existing portfolio.

Duties and Responsibilities:

· Solicits and services a variety of commercial real estate loans.

· Recommend credits for approval or declination.

· Order and obtain appraisals and/or value real property as required by applicable regulations.

· Inspect real property to ensure the condition and quality of collateral.

· Monitor existing portfolio for performance, compliance and ongoing needs.

· Cross sell services to develop and maintain a complete member relationship.

· Review and analyzes financial data submitted by borrower to determine credit worthiness and ability to repay request as structured.

· Calls on existing clients members periodically as part of a program of on-going member contact.

· Provides guidance to credit analysts and support staff and other loan officers.

· Represent the bank in negotiations and loan closings.

· Monitors assigned loan portfolio on a continuous basis.

· Monitors loans subsequent to booking to ensure that they were properly booked.

· Review loan documentation to ensure consistency with loan approval requirements and proper collateral perfection and lien position.

· Communicate with the borrower when needed to assist in proper documentation completion.

· Organize electronic files according to Synergy procedures.

· Assist in ordering of all necessary third party reports. 

· Prepare Borrower Risk Rating sheet.

· Order OFAC / Penley searches.

· Order CAIVRS searches.

· Assist in facilitating payment of invoices from 3rd party vendors during the closing process.

· Assist in compiling documentation for potentially new vendors; submit to CCO/vendor management for approval, follow up when necessary.

· Compile Broker approval package, including SAMS verification, for Chief Credit Officer approval.

· Order tax transcripts.

· Assist Underwriting group with completion of financial spreads in Moody’s, loan presentations in Novatraq and modification memos as directed.

· Assist Portfolio Management group with completion of financial spreads in Moody’s, annual reviews, and portfolio management reports, as directed.

· Assist in managing construction loan draws, which will include but is not limited to, attend meetings and conference calls with borrowers and the banks construction monitoring company prior too, during, and after loan closing to ensure construction management process is within guidelines.

Required Qualifications:

High school diploma or GED. Minimum of five plus years’ experience in commercial lending with at least five years plus of experience as a loan officer or equivalent. In-depth knowledge of commercial lending along with compliance and credit regulations. Knowledge of Microsoft Office and JHA. Professional written, verbal communication, problem solving, and interpersonal skills, along with the ability to produce quality work within tight time frames while managing multiple assignments. Ability to work on the credit union core processing systems (JHA) and department specific processing systems (Command Center). Strong work ethic, the ability to prioritize and adapt to changing deadlines, advanced interpersonal skills, excellent communication, strong problem solving skills, and the desire to work as a team to support the overall success of the credit union. Persons in this position must possess a strong knowledge base about conventional and SBA policies and procedures.

Preferred Qualifications:

· SBA lending

· Bachelor’s degree or relevant industry certification

Physical Requirements:

· Occasional lifting, 25 lbs. or less.

· Sitting and standing for extended periods of time.

· Working on a computer for extended periods of time

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