Primary Functions

• Responds to referrals from Senior Management and others.
• Adheres to the bank's vision, mission statement, moments of truth, core competencies, sales and service standards, bank policies, bank regulations, and the bank operations manual.
• Actively participates in new business development program.
• Works closely with SRB, RP, and RSCO and presents loan applications for the appropriate approval (loans or annual reviews)
• Works closely with RBGA to prepare loan packages for approval, closings, and post-closing.
• Interviews commercial loan applicants.
• Structures and analyzes new and renewed loan requests and makes loans within lending authority.
• Closes loans.
• Completes file documentation.
• Manages all aspects of an assigned portfolio of loans and relationships.
• Monitors compliance with loan policies and appropriate regulations.
• Assigns appropriate risk grades to loans and relationships.
• Collects past-due loans unless assigned to the centralized collectors.
• Handles customer service matters and inquiries for lending and non-lending issues.

Required Education and Experience

• High School Diploma or GED
• Must be proficient in Microsoft Word and Excel, and other necessary software for efficiency.
• Motivation and initiative are essential and must have a sense of urgency and be proactive.
• Willingly accepts and performs all assigned duties and responsibilities and understands the work hours often exceed 40 hours/week.
• Must possess excellent negotiation and problem-solving skills.
• Knowledge of sales principles, the understanding of lending and credit approval processes, and pricing models.
• Ability to present loan commitments to executive management of customers.
• Must possess a high level of analytical skills, effective interpersonal skills, and have the ability to be assertive with sound business decisions that best interest the bank and borrower.

Preferred Education and Experience

• Bachelor of Science Degree in business, finance, accounting, or related field.
• Work experience in banking and finance of a minimum of seven years, or equivalent experience.

All company names remain confidential. (EOE)