Commercial Banking Officer (Commercial Lender)

FitzGerald Financial Group - Division of TowneBank Mortgage•Charlotte, NC

13h•Onsite

About The Position

The Commercial Banking Officer makes and services commercial loans within lending limits. They perform other customer service routines as required and manage a commercial loan portfolio. They may also make consumer loans and residential mortgage loans.

Requirements

Has at least five years of commercial lending experience or experience in loan operations or credit analysis.
Has extensive knowledge of documentation and regulations.
Has proven business development skills
Has excellent communication skills and the ability to interact professionally.
Has strong connections to and relationships with referral sources/centers of influence in the greater Richmond market.
Proficient skills in Microsoft Word, Excel, and Outlook.

Nice To Haves

A Bachelor’s degree in Business, Accounting, or Finance.
Previous management or supervisory experience.

Responsibilities

Developing new business for the bank by calling on prospective commercial members.
Retaining existing members through follow-up and by providing excellent service.
Interviewing applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
Obtaining and analyzing financial data and providing service on approved lines of credit, equipment financing loans, etc.
Drafting necessary documents and agreements.
Conducting credit checks.
Making decisions on loans and terms if within the lending limits or making recommendations to a superior lending officer.
Following current loans to ensure complete conformity with terms and knowledge of developing trends.
Calling on potential or existing members and introducing them to other departments when another service is needed.
Supervising and giving direction to staff (if applicable).
Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML), including the Bank Secrecy Act (BSA).