Develops commercial loan business and services a wide variety of secured and unsecured loans or lines of credit. Seeks to manage and grow loan portfolio and works with customers to obtain pertinent loan qualification information and assists with the completion of the loan application for a small and basic portfolio. Services loans and works to reduce and eliminate past dues and technical exceptions
A four-year degree in a business-related subject or the equivalent experience
Must have a thorough knowledge of lending-related computer programs and be well versed in the specifics of Federal and State lending regulations.
Knowledge of loan documentation requirements is essential.
Additional courses through AIB or other banking educational programs
Well-developed sales expertise with strong experience determining customer needs and presenting loan package options
Experience creating unique loan package options
A minimum of five years lending experience, specifically in a commercial bank
Should have expertise developing business in key markets.
Strong business development and marketing skills
The ability to listen to staff and customer needs and determine the most advantageous options that will increase production and elevate Bank revenues.
Proficient computer skills are required with expertise on Microsoft systems
Physical Demands/Work Environment: Vision, hearing, dexterity and speech are required. A valid North Carolina driver’s license is required. Must have the ability to work the hours and days required to meet the essential functions of the position.
Mental Demands: Learning, thinking, listening and concentration are required. Must have the ability to interact with people and focus on details and follow-up on time sensitive material. The ability to work under stressful conditions is essential. Must be able to meet deadlines and motivate a staff to work efficiently and within specific time constraints.
Interviews commercial lending applicants to develop information concerning their businesses, needs, desires, business abilities, and earnings to determine whether a loan may be an acceptable risk for the Bank.
Makes decisions on loans and terms if they are within the individual lending authority, or makes recommendations to a higher authority.
Follows current loans and credit lines to ensure complete conformity with terms.
Gives financial advice and counsel to existing and prospective customers.
Studies industrial, commercial, and financial situations relating to new or existing businesses.
Participates with senior lenders on larger loans and lines and keeps informed regarding the status of the Bank’s outstanding loans. Manages the loan portfolio so as to insure that loans are appropriately risk graded and technical exceptions are minimized.
Manages a loan portfolio so as to insure that loans are appropriately risk graded and technical exceptions are minimized.
Calls on existing and potential customers to develop new business and increase or retain existing business.Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws including the Bank Secrecy Act.
Acts as the Bank's representative in the community, being visible to customers and potential customers by representing the Bank in civic and professional organizations in order to promote the Bank's visibility and reputation.
Serves in other capacities as directed by managing officer and as required for successful operation of the Bank. Stays abreast of current trends in bank products, lending and other financial services as appropriate by attending seminars, schools, and other forms of training.
Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws including the Bank Secrecy Act.