RESPONSIBILITIES

• Identify business leads and prospects for future opportunities, including providing general Bank information and cross selling services
• Meet with and interview applicants to review and evaluate loan requests, including loan alternatives, credit criteria, interest rate options, and necessary loan documentation
• Prepare, or assist in preparing with Credit Analysts, written submission for consideration by the appropriate loan approval authority
• Structure loans within loan policy
• Identify problems or potential problems with credit information and coordinate with the necessary party to resolve the problems
• Prepare loan proposals consistent with the loan approval for presentation to applicants
• Review loan documents and related closing documentation for accuracy and consistency with approval
• Monitor construction loans including budgets, loan advances, conducting property inspections and all related documentation required by loan policy
• Manage loan portfolio including renewals, modifications, covenant tracking, financial statement collection, collections, and general portfolio monitoring
• Handle more complex loan requests, issues and problems, and refer only the most complex to Commercial Lender III or Commercial Lending Manager
• Participate in identifying, measuring, monitoring, controlling and mitigating departmental and enterprise-wide risks
• Maintain awareness of and adherence to Bank's compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks
• Deliver a consistent, high level of service within our Serving More standards
• Other duties as assigned

COMPETENCIES

• Interpersonal/Customer Service Skills
• Written and Verbal Communication
• Ability to understand and follow directions
• Adaptable to change
• Basic Computer Skills
• Organizational Skills/Detail Oriented
• Analytical Thinking
• Able to Multi-Task or Juggle Priorities
• Problem/Situation Analysis
• Technical Expertise
• Strategic Planning and Decision Making
• Creativity
• Leadership/Management Skills
• Ability to influence others
• Ability to build collaborative relationships
• Ability to develop or mentor others
• Ability to work as part of a team

EDUCATION - CERTIFICATIONS - WORK EXPERIENCE

Bachelor's degree in business or equivalent experience as a commercial sales officer required

Minimum of 5 years commercial lending experience required

SCHEDULE

Typical office hours are Monday through Friday 8am to 5pm. This position is exempt and full-time. A minimum 40 hours is required per week.

A flexible work arrangement is available for this position. The position will require some scheduled onsite hours. Please speak to the hiring manager for more information.

PHYSICAL REQUIREMENTS

This position must be able to remain in a stationary position a maximum of 50% of the time, constantly operate a computer up to 50% of the time and be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information.

TRAVEL REQUIREMENTS

Travel to customers and prospects is expected