| Requirements |
Key Responsibilities:
• Develop new commercial loan relationships and manage an existing portfolio to ensure quality and profitability.
• Evaluate, structure, and underwrite commercial loan requests in compliance with bank policies and regulatory guidelines.
• Prepare credit memorandums, present loan requests to the Loan Committee, and manage the ongoing credit quality of the portfolio.
• Cross-sell additional bank products and services to deepen client relationships.
• Participate in community and business development activities to enhance the bank’s visibility and promote its lending services.
• Monitor loan performance and proactively address potential credit issues.
• Work collaboratively with credit analysts, processors, and support staff to ensure timely and accurate loan documentation and closing.
• Over time, assist with residential mortgage lending, including originating and processing conventional and in-house mortgage loans.
• Stay current on local market trends, competitor activities, and regulatory changes impacting lending operations.
Qualifications:
• Bachelor’s degree in Business, Finance, or a related field (or equivalent experience).
• 3+ years of experience in commercial lending, credit analysis, or banking preferred.
• Strong understanding of financial statements, loan underwriting, and credit risk assessment.
• Excellent communication, negotiation, and relationship management skills.
• Self-motivated with the ability to work independently and as part of a team.
• Commitment to exceptional customer service and community involvement.
• NMLS registration or ability to obtain one (required for future mortgage lending responsibilities).
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