- Generate new business through loans, business accounts, and services.
- Originate or recommend commercial, industrial, and commercial real estate loans within the limits of lending authority and in compliance with regulations and policy.
- Analyze and review financial statements, accounts, and related data for new and potential existing customers.
- Negotiate and recommend credit terms, costs, loan repayment strategies, and collateral specifications.
- Provide services and maintain accounts for existing customers, ensuring terms of loans and financial conditions of borrowers adhere to policy parameters.
- Evaluate prospective customers and loan requests and make recommendations to management.
- Expand existing business and develop new business through service and cross-selling, customer calls, networking, and the development of referrals.
- Maintain current knowledge of industry regulations, compliance issues, and bank policies.
- Bachelor’s Degree required.
- Six or more years of progressively greater responsibility and experience in the commercial lending area is a must.
- Experience analyzing financial statements.
- Completion of a formalized credit training program is preferred.
- Thorough knowledge of Federal and State regulations covering commercial banking activities.
- Strong analytical ability with effective written and verbal communication skills required.
- Efficient use of Outlook, Word, and Excel applications.
- Excellent interpersonal skills.
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