Commercial Banking Officer (Commercial Lender)

Towne Family of Companies•Charlotte, NC

18h•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. As the Commercial Banking Officer, you may look forward to: 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).

Requirements

At least five years of commercial lending experience or experience in loan operations or credit analysis.
Extensive knowledge of documentation and regulations.
Proven business development skills.
Excellent communication skills and the ability to interact professionally.
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

Makes and services commercial loans within lending limits.
Performs other customer service routines as required.
Manages a commercial loan portfolio.
May make consumer loans and residential mortgage loans.
Develops new business for the bank by calling on prospective commercial members.
Retains existing members through follow-up and by providing excellent service.
Interviews applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
Obtains and analyzes financial data and provides service on approved lines of credit, equipment financing loans, etc.
Drafts necessary documents and agreements.
Conducts credit checks.
Makes decisions on loans and terms if within the lending limits or makes recommendations to a superior lending officer.
Follows current loans to ensure complete conformity with terms and knowledge of developing trends.
Calls on potential or existing members and introduces them to other departments when another service is needed.
Supervises and gives 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).