Posting Date: 07/14/2020
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's degree (B. A.) from a four-year college or university and two to four years related experience.
Requests specified financial information for loan application. Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan. Interviews applicant to obtain corporate history and to resolve questions regarding application information. Negotiates structure and pricing of more complex credit facilities to borrowers with revenues in excess of $1MM. Presents credits to Loan Committee and/or Director's Loan Committee for approval. Ensures loan agreements are complete and accurate according to policy. Analyzes potential markets to develop prospects for loans and deposits. Monitors borrowers' financial condition for compliance with loan covenants. Maintains and services existing portfolio. Maintains delinquencies and classified loans at a minimum. Assist Commercial Banking Officers and Commercial Lending Credit Analysts in ongoing training. Act as Bank representative at civic and/or industry meetings or functions.
Examines, evaluates and recommends approval of client applications for a myriad of bank products, including commercial lines of credit, commercial term loans, letters of credit, real estate loans and flat notes, by performing the following duties.
Benefits include competitive salary, bonus plan, medical, dental, vision and group life & long term care insurance, 401(k), tuition reimbursement program, and health club allowance.