Commercial and Private Banking Officer

Resource Bank • Baton Rouge, LA

1d

About The Position

This position reports to the Senior Commercial & Private Banking Officer/Market Leader, and responsibilities include generating new Commercial & Private Banking customer relationships, evaluating, authorizing, or recommending approval of commercial real estate, or credit loans and deposits and advising borrowers on financial matters.

Requirements

• Bachelor’s degree from four-year college or university; or four or more years related experience and/or training; or equivalent combination of education and experience required.
• Knowledge of numbers, their operations, and interrelationships including arithmetic, algebra, geometry, calculus, statistics, and their application.
• Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
• Knowledge of principles and processes for providing customer and personal services including needs assessment techniques, quality service standards, alternative delivery systems and customer satisfaction evaluation technique.

Responsibilities

• Meet with applicants to obtain information for loan applications or deposit account needs and to answer questions about the process.
• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Stay abreast of new types of loan and deposit products and other financial services to better meet customers' needs.
• Explain to customers the different types of deposits, loans and credit options that are available, as well as the terms of those services.
• Ensures loan agreements are complete and accurate according to policy.
• Compute payment schedules.
• Approves loan within specified limits.
• Refers loan to loan committee for approval.
• Analyzes potential loan markets to develop prospects for loans.
• Negotiates payment arrangements with customers for delinquent loan balance.

What This Job Offers

• Job Type: Full-time
• Number of Employees: 11-50 employees