Commercial Lender

COMMUNITY NATIONAL BANK • Basehor, KS

1d • Onsite

About The Position

This position is responsible for assisting with the management and growth of commercial loan portfolio.

Requirements

• Requires a high degree of confidentiality
• Working knowledge of accounting and workflow software, and Microsoft office (word, excel, Outlook, PowerPoint, etc.)
• Exceptional communication skills, written and verbal, organizational skills, time management skills and be a self-starter
• Detail oriented and ability to self-audit work to ensure accuracy
• Requires being reliable, responsible, and dependable to fulfill the obligations of this role

Nice To Haves

• Bachelor’s degree in finance, business management or related field preferred
• 5 years of experience in bank lending, loan review, or related field preferred, 2-4 years required

Responsibilities

• Develop and retain existing commercial relationships and generate new business through loans, accounts, and services for both business and consumer
• Interview applicants to determine loan requirements and gather pertinent information for loan applications.
• Analyze applicant information to determine feasibility of granting loans within loan policy.
• Approve loan within specified limits or champions loan opportunities to the credit department and/or Committee for proper approval.
• Resolve uncertainties relating to customer application information through inquiries with applicant or creditors.
• Negotiate and/or recommend credit terms, costs, loan repayment strategies, and collateral specifications
• Explain to the customer the different types of loans and credit options that are available, as well as the terms of those services
• Review loan agreements and make sure that they are complete and accurate
• Ensure timely loan closing and funding activities
• Maintain customer relationships through regular communication and follow up
• Maintain up to date knowledge on baking laws, regulations, compliance issues, and bank policies
• Maintain a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations.
• Manage loan portfolio including renewals, modifications, updated credit analysis, collections, collection of required ongoing documentation, annual financial reviews and portfolio monitoring through effective pipeline management, working and keeping documentation exceptions below the board acceptable levels as listed in the loan policy, and maintaining minimum of 75% of annual financial reviews.
• Working past due loans and document the files on past due collection plans,etc.
• Uses experience and sound judgment to plan and accomplish goals.
• Support CNB’s strong relationship culture through quality customer service and superior product knowledge
• Provide superior customer service by resolving problems efficiently and responding timely
• Identify and implement solutions to problems in general and urgent matters
• Actively seek to add and enhance knowledge regarding developments and current trends in the industry
• Seek counsel of supervisor on issues as appropriate
• Work collaboratively with staff to maintain a team environment
• Flexible to accept additional assignments as requested by leadership
• Cross train for other positions to cover when necessary
• Professionalism while representing CNB (onsite, professional and community events and via communications)
• Participate and attend meetings as requested
• Recommend policies and procedures as it relates to area of responsibility
• Timely responses to inquiries for information to customers, staff and vendors
• Answer telephone calls and provide a prompt response
• Follow CNB’s policies and procedures
• Other duties as assigned

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level