Commercial Lender

Platte Valley Bank • Scottsbluff, NE

1d

About The Position

The Commercial Lender expands lending relationships and supports profit goals by extending credit to assigned existing accounts and developing new customer relationships. The role serves current customers by marketing additional bank services and provides some loan servicing in accordance with established procedures. The lender also builds relationships through involvement in civic and community organizations.

The position serves prospective and current borrowers, assesses loan requests against bank policy, and makes or recommends credit decisions within established lending authority. It develops and maintains customer credit files and applies financial analysis to make sound credit recommendations. The lender also contributes to local marketing strategies, maintains a quality loan portfolio, and cultivates a professional presence in the agriculture and/or business community.

Requirements

• Bachelor's degree required; business, finance, or accounting emphasis preferred.
• One to two years of credit analysis training preferred.
• Effective oral and written communication skills, including telephone communication.
• Ability to use and understand computer software related to the position's essential responsibilities.
• Competencies in decision-making, dependability, development, environmental safety, evaluation, interpersonal skills, prioritization, problem-solving, selling, teamwork, and time management.
• Demonstrated achievement in social and/or extracurricular activities and leadership skills.
• Aptitude for handling sensitive operational transactions and customer relationships.
• Professional appearance.
• Self-sufficient and self-starting.
• Ability to handle and maintain the confidentiality of sensitive information.
• Ability to travel to meet customer needs and attend training.
• Ability to perform the listed job activities with or without reasonable accommodation.

Nice To Haves

• Business, finance, or accounting emphasis in bachelor's degree.
• One to two years of credit analysis training.

Responsibilities

• Attend to the needs of current and prospective customers seeking loans.
• Interview loan applicants and assess whether requests represent acceptable risks under bank policy.
• Make loan and term decisions within assigned lending limits, or recommend requests to a higher authority.
• Maintain relationships with assigned current and prospective customers.
• Establish and update electronic customer credit files, including balance sheets, tax returns, and cash-flow information.
• Analyze financial statements, cash flows, and cash budgets to make sound credit recommendations.
• Develop and maintain an extensive professional network of potential customers.
• Participate in developing and executing local marketing strategies and plans.
• Maintain a loan portfolio that meets quality standards and qualifications established by senior bank management.
• Develop and maintain a significant presence in the agriculture and/or business community.
• Participate in civic, community, state, and professional groups to further personal and corporate goals.
• Provide some loan servicing on existing accounts according to procedures.
• Perform other duties as assigned.

What This Job Offers

• Job Type: Full-time