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- Managing a portfolio of commercial clients including monitoring loan covenants and structuring loan proposals.
- Underwriting and originating of new credits from existing and/or new customers including renewals, modifications, and annual reviews. Making appropriate loan structure recommendations.
- Proactively looks to expand client base by cultivating referral relationships, and target marketing clients/prospects in accordance with the Bank’s marketing standards.
- Meeting and exceeding monthly performance scorecard goals that include, but are not limited to, developing new profitable business relationships.
- Enhancing the cross-sell ratio through the expansion and deepening of client penetration, as well as job-related behaviors.
- Highly involved in indirect and direct sales calls as well as representing the Bank in various industry-specific trade organizations that promote the Bank’s loan growth within the desired industries.Â
- Preparing spreads, performing covenant checks, completing loan reviews, and updating ticklers.
- Spreading, analyzing, and reviewing financial conditions, income sources, and collateral coverage of borrowers, including corporations, partnerships, sole proprietors, and individuals.
- Collecting updated borrower financial information in accordance with periodic reporting requirements and completing scheduled loan reviews.
- Preparing loan presentation write-ups for management and loan committee approvals.
- Ensuring that loans and other assets are appropriate and timely risk-rated in accordance with the Bank’s loan policy.
- A bachelor’s degree is preferred, or equivalent business experience.
- Four or more years of banking experience with an emphasis on relationship management and commercial lending.
- Strong background in prospecting for new clients and a demonstrated track record in business development.
- Strong organizational, time management skills, and leadership qualities.
- Working knowledge of financial analysis and accounting theory, and the ability to write clearly, logically, and analytically.
- Excellent written and oral communication skills.
- Ability to be a self-starter and demonstrate a strong level of initiative and commitment with a minimum level of supervision.
- Ability to understand accounting, including financial statement spreads, cash flows, and credit analysis.
- Ability to define problems, proactively identify and articulate risks, collect data, establish facts, and draw valid conclusions.
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