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Sound Community Bank: Commercial Loan Officer II. Should have a standard comprehension of Bank operations and regulatory conformity, such as the Bank Secrecy Act.
Sound Community Bank: Commercial Loan Officer II. Should have a standard comprehension of Bank operations and regulatory conformity, such as the Bank Secrecy Act.

Commercial Loan Officer II

PLACE DEFINITION The Commercial Loan Officer II is in charge of supplying expert lending that is commercial to current and potential bank customers. The Commercial Loan Officer II is expected to accomplish their production that is certain and calling objectives and precisely handle their assigned loan profile.

PLACE QUALIFICATIONS Bachelors’ degree preferred, plus at the least 3 – 5 years of progressively responsible Commercial Lending experience. Trustworthiness and sensitiveness are crucial. Experience competencies required consist of, but they are not restricted to: ? capacity to underwrite credit needs, determine appropriate loan framework and current loan that is proposed for approval ? Prepare expert Credit Write- Ups for review by Commercial Team Lead, Credit management and Loan Committee for approval ? capability to assess and grade credit danger, financial obligation solution ability and ratio analysis ? Good knowledge of economic statements including stability sheets, earnings statements and declaration of cash flows ? exemplary relationship building and social skills ? Strong consumer focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exceptional verbal and written interaction abilities ? exceptional proofreading abilities with a very good awareness of detail ? capacity to work both separately so that as a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? Information Technology knowledge is an advantage. ? should have legitimate driver’s permit and use of a vehicle that is insured

Should have a general comprehension of Bank operations and regulatory conformity, such as the Bank Secrecy Act.

RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II is going to work closely utilizing the Commercial Team Lead and Commercial Banking Manager to handle lending that is existing and develop brand new customer relationships to attract future financing possibilities for the bank. The Commercial Loan Officer II is going to work closely aided by the Bank’s Credit Analysts to aid in analysis of credit demands and planning of Credit Write ups.

Outside Bank Position keeps regular and close working relationship with a variety of facilities of impact, community leaders and company specialists.


Responsibility # 1 Loan Production and Upkeep

Originate, underwrite, and solution a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate

Track loan that is existing to keep up a superior quality asset base and help in number of delinquent loans

Negotiate renewals of credit facilities. Suggest approval of loan re re payments, construction draw requests, draws from personal lines of credit and funds transfers with specified restrictions

Responsibility # 2 Credit and Borrower Research

Screen possible commercial borrowers by analyzing their business strategy, methods, and projections, in addition to, historical monetary statements and company outcomes

Speak to current clients and leads through different solutions to talk about company requirements and suggest ways the financial institution can offer solutions

Assist Credit Analysts to accurately review borrower that is prospective and coordinate processing of approved loans

Test economic loan covenants and prepare annual term loan reviews

Ensure all loan papers are correct, finalized and recorded/perfected.

Ensure all supporting documents is complete and signed whenever necessary.

Responsibility number 3 Start Up Business Developing / Community Outreach

participate in company development tasks and obtain brand new quality loan and deposit business to quickly attain volume and/or manufacturing objective

Express SCB at different community functions and groups that are professional/civic further enhance the Bank’s image and exposure

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Responsibility # 4 Continuing Education

Update work knowledge by taking part in academic opportunities, keeping networks that are personal playing expert businesses.

Sound Community Bank can be an opportunity that is equal and all sorts of qualified candidates will get consideration for work without respect to battle, color, faith, intercourse, nationwide beginning, intimate orientation, sex identification, impairment status, protected veteran status, or other characteristic protected for legal reasons.

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