Commercial Lender

Union State Bank•Edmond, OK

11d•Hybrid

About The Position

The Commercial Lender is responsible for seeking potential clients, individuals, or businesses in need of commercial, real estate, and consumer loans. This role involves analyzing the borrowing needs of Bank customers and prospects, verifying applications to determine creditworthiness, and maintaining a profitable loan portfolio. The Commercial Lender will also refer new deposit and treasury relationships and utilize proactive sales techniques to attract new business to the Bank.

Requirements

High School diploma or equivalent required.
Knowledge of finance, accounting, and economics, as would be acquired through a four-year, college level course of study & continuing education in one of the above fields or equivalent work experience.
Thorough knowledge of credit analysis & lending practices.
Understanding of laws, rules & regulations affecting banking/lending industry as would be acquired through 5 to 10 years of experience in banking or related field.
Valid Driver’s License required.
Knowledge of finance & accounting principles necessary to provide lending services.
Ability to communicate effectively with people both internally and externally.
Background in customer service and sales.
Ability to meet deadlines.
Ability to identify and resolve problems.
Basic computer skills to include proficiency in Microsoft Office programs.
Ability to work with all levels within the organization.
Strong people skills required.
Must be detail oriented, organized, and able to handle multiple tasks.
Able to handle confidential information and positively represent the company.

Nice To Haves

College degree and advanced banking education preferred.
Leadership presence
Ability to build relationships internally and externally
Approachability

Responsibilities

Interview present and prospective clients and analyze financial information to determine strategies for meeting client objectives.
Actively participate in the bank's Business Development Program.
Evaluate credit risk of commercial and consumer loan applications and develop appropriate loan structures within the bank’s lending limits and consistent with the bank’s loan policy and procedures.
Manage and oversee a loan portfolio to maintain growth and monitor delinquency within the bank’s guidelines.
Maintain a high level of customer service through proactive communication with external and internal customers.
Actively participate in Community Service, with an emphasis on serving the disadvantaged segments of the market.
Service existing loan customers and review documentation to ensure compliance with the bank’s policy and procedures.
Refer new deposit and treasury relationships with customers.
Sell additional bank services to existing and prospective clients.
Refer clients to appropriate personnel for assistance.
Prepare correspondence for credit approval.
Serve on Internal Loan Committees and other committees, as assigned.
Monitor collateral and exceptions for officer portfolio.
Keep up to date with lending regulations and recommend changes that may affect credit decisions.
Prepare credit memorandums for loan proposals.
Perform other duties as may be required or assigned.