Posting Date: 04/15/2021
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. Master's degree (M.A.) or five to ten years related experience or Bachelor's degree (B. A.) from a four-year college or university and two to four years related experience.
Attract new loan and deposit relationships through a combination of cold calling, personal networking and attending various social/business events in the community. Requests specified financial information for loan application. Analyzes applicant’s 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 credit facilities. Presents credits 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. Act as Bank representative at civic and/or industry meetings or functions.
Examines, evaluates, and authorizes or recommends approval of client applications for a myriad of bank products, including commercial lines of credit, commercial term loans, commercial leases, letters of credit, real estate loans and flat notes, by performing the following duties. Responsible for attracting and retaining loan and deposit relationships for Heritage Bank of Commerce.
Benefits include competitive salary, bonus plan, medical, dental, group life & long term care insurance, vision care reimbursement, 401(k), and tuition reimbursement program, and a health club allowance.