Commercial Loan Officer

Summit Bank•Portland, OR

8d•Hybrid

About The Position

The Business Client Advisor reports to the SVP, Commercial Banking Team Leader and is responsible for relationship management and development, as well as the generation of loan and deposit activity. Assumes responsibility and is accountable for adherence to Bank policies and procedures, as well as all applicable state and federal laws and regulations pertaining to banking. The role also involves providing exceptional customer service, ensuring proper underwriting and documentation of loans, and completing and approving credits in conformance with Loan Policy and within authorized limits. The Business Client Advisor is responsible for the ongoing monitoring of the credit quality of their personal loan portfolio, performing analysis of credit reports, tax returns, financial statements, cash flows, and pricing. They independently research and analyze borrower company and industry data, ensuring clients are provided with safe and sound, cost-effective, and efficient services and products. The role requires offering creative solutions to meet borrowing needs, managing relationships with existing clients for satisfaction and retention, and developing new lending and deposit relationships for bank growth. Proactive notification of clients about loan maturities, renewals, and rate adjustments is also a key responsibility.

Requirements

Bachelor degree in finance, accounting, business administration or related field; or equivalent combination of education and experience
At least three (3) year’s experience in a commercial lending capacity
Educational experience applicable to finance, accounting or business
Exceptional verbal, written and interpersonal communication skills
Ability to apply common sense to carry out instructions, write reports, correspondence and procedures
Ability to speak clearly to clients, colleagues, directors, and shareholders
Ability to read, analyze and interpret business periodicals, professional journals and technical procedures
Intermediate computer operation skills; email, keyboarding, spreadsheet and specialty software programs
Ability to deal with complex problems involving multiple facets and variables in non-standardized situations
Excellent organizational and time management skills
Ability to work with no supervision while performing duties
Ability to handle confidential information with discretion
Continuous clarity of vision at 20 inches or less
Repetitive use of hands such as grasping, twisting/turning of wrists, and finger dexterity
Occasional use of arms such as pushing/pulling
Occasional bending and/or reaching

Responsibilities

Relationship management and development
Generation of loan and deposit activity
Adherence to Bank policies and procedures, and applicable laws and regulations
Providing exceptional customer service to internal and external clients
Ensuring proper underwriting and documentation of loans
Completing and approving credits in conformance with Loan Policy and within authorized limits
Ongoing monitoring of credit quality of personal loan portfolio
Analysis of credit reports, business and personal tax returns, financial statements, cash flows, and pricing
Research and analysis of borrower company and industry data
Ensuring clients are provided with safe and sound, cost-effective and efficient services and products
Offering creative solutions to meet borrowing needs
Managing relationships with existing clients to ensure satisfaction and retention
Developing new lending and deposit relationships
Developing referral sources for additional business
Proactively notifying clients of upcoming loan maturities, renewals, rate adjustments and other loan events
Participating in Board Loan Committee meetings where appropriate
Providing direct and indirect customer service by giving advice and answers for a variety of basic to complex questions
Referring inquiries to the appropriate department or person, exhibiting the necessary follow through
Maintaining all related paper file systems
Assuming responsibility for various department functions in the absence of colleagues or in overload situations
Providing excellent personal customer service to all internal and external clients
Following policies and procedures
Completing administrative tasks correctly and on time
Contributing to the overall profitability of the Bank through cost controls and expense monitoring
Applying good judgment in decision making
Performing position safely and reporting potentially unsafe conditions
Working according to established schedules, arriving on time and with a positive attitude
Completing assigned Compliance Training