Commercial Lending Officer
hace 22 días
Ozona
Job Description Position: Commercial Lending Officer Supervisor: Chief Lending Officer Job Brief: The full-time position of Commercial Lending Officer examines, evaluates, and authorizes or recommends approval of customer applications for commercial loans by performing the following duties. Essential Functions: Develops, manages, maintains and grows sound and profitable commercial banking relationships to meet or exceed sales production goals including loans, deposits and fee income. • Identifies and structures lending opportunities using SBA 7(a) and 504 programs when appropriate., • Develops and maintains a solid presence in the community by frequently attending business development and networking functions outside of the bank to develop strong relationships to drive referrals and deal flow, • Promotes and cross-sells other establishment products and services as appropriate to customer needs, • Actively participates in and oversees the credit management process from application through closing and ongoing credit relationship management., • Interviews prospective applicant to determine commercial loan and banking solutions and gather pertinent information for loan request., • Submits application to credit analyst for verification and recommendation., • Identifies and analyzes potential loan markets to develop prospects for commercial loans., • Facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms., • Approves loans within specified limits or presents loan request to the appropriate loan committee for approval., • Ensures loan agreements are complete and accurate according to policy., • Assures timely loan closing and funding activities., • Complies with all regulations and bank approved policies and procedures., • Ensures timely collection of all own- portfolio loans, including pursuing all collection and credit improvement activities on past due and problem loans., • Pursues correction of all documentation or other exceptions on all own-portfolio loans., • Participates in and completes all training/education available in a timely manner to stay abreast of the demands and requirements of the position., • Maintains regular and predictable attendance. Practical Experience: • A minimum of ten (10) years’ banking experience gaining strong marketing skills, the ability to close loans, and proper preparation of loan packages for loan committee and loan funding., • Strong, proven loan relationship and credit management skills, including seasoned skills in the active management of problem and workout loans., • Advanced computer skills including the use of MS Excel and MS Word and other software used by the Lending Department., • Minimal supervision from supervisor., • Must be able to embrace and exemplify the Ozona Bank’s core values., • Must be able to work independently and work closely with others., • Must be able to stay abreast of job knowledge by participating in educational opportunities such as: reading professional publications, maintaining personal networks, and participating in professional organizations., • Must be able to communicate clearly and effectively, both orally and in writing., • Must be able to organize data and to perform, review and clearly explain independent analyses., • Must have computer skills including Adobe, MS Office Suite, • Must have attention to detail and excellent judgment and use of discretion., • Must have excellent organizational and time management skills with the ability to set and adjust priorities., • Must be a self-starter who demonstrates superior professionalism and integrity, good business judgment, a positive action-oriented attitude, and a strong work ethic; and, • The successful employee must be capable of instructing, maintaining standards, and coordinating activities., • The successful employee must be capable of producing and maintaining a loan portfolio in compliance with Bank Policy. Reasoning Development - must be able to apply principles of rational systems to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Interpret a variety of instructions furnished in written, oral diagrammatic, or schedule form. Language Development – must speak and write English fluently, at a level that would normally apply to a person capable of reading scientific briefs or technical magazines with excellent comprehension; able to write reports and correspondence using proper format, punctuation, spelling and grammar. The ability to speak a second language such as Spanish is desirable. Math Development - must be able to solve mathematical problems using techniques such as addition, subtraction, multiplication and division. Capable of using and understanding various financial formulas Physical Requirements: • Have frequent need (33% - 66% of time) for standing., • Have frequent need (33% - 66% of time) for walking., • Have frequent need (33% - 66% of time) for sitting., • Have rare need (less than 1% of time) for bending, stooping, or squatting., • Have rare need (less than 1% of time) for climbing stairs., • Have rare need (less than 1% of time) for lying down., • Have rare need (less than 1% of time) for pushing or pulling., • Have rare need (less than 1% of time) for reaching above shoulders., • Have rare need (less than 1% of time) for climbing ladders., • Have rare need (less than 1% of time) for grasping or gripping., • Have frequent need (33% - 66% of time) for finger dexterity., • Have frequent need (33% - 66% of time) for typing or writing., • Have rare need (less than 1% of time) to lift/carry over 150 pounds., • Have rare need (less than 1% of time) to lift/carry 76 - 150 pounds., • Have rare need (less than 1% of time) to lift/carry 51 - 75 pounds., • Have rare need (less than 1% of time) to lift/carry 26 - 50 pounds., • Have occasional need (1% -33% of time) to lift/carry 10 - 25 pounds., • Have constant need (66% - 100% of time) to be able to see detail., • Have frequent need (33% - 66% of time) to work indoors., • Have occasional need (1% - 33% of time) to work outdoors., • Have rare need (less than 1% of time) to work in confined space., • Have rare need (less than 1% of time) for exposure to fumes, chemicals, solvents, etc., • Have rare need (less than 1% of time) for exposure to extreme temperatures., • Have constant need (66% - 100% of time) for eye/hand/foot coordination.