Commercial Lender - Cheyenne Office

Hilltop National Bank • Cheyenne, WY

9d

About The Position

Job Summary:

Develops and maintains a loan portfolio that satisfies quality standards and profitability according to established guidelines. Examines, evaluates, authorizes or recommends approval of loan applications for individuals and businesses.

Primary Duties/Responsibilities:

Develops business loan and deposit relationships with existing and prospective customers
Interviews credit applicants; analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan
Compiles loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
 Approves loan within specified limits or prepares loan presentation to loan committee for approval in compliance with the Bank's lending policies and      procedures
Maintains loan file with current financial information per loan agreement     
Responsible for monitoring own commercial portfolio, working past due accounts and collection efforts
Provides opportunities for relationship building by involving oneself in civic and community organizations and industry related groups
Identifies and analyzes potential loan markets to develop prospects for commercial loans

Requirements

• Knowledge and understanding of commercial lending with the ability to identify primary and secondary sources of repayment
• Ability to read, analyze financial statements, cash flows, technical procedures, bank and governmental regulations and make sound credit recommendations and decisions
• Strong communication skills to write reports, business correspondence and effectively present information and responds to questions from groups of managers, clients, or board members
• Use and understand various computer software related to carrying out essential responsibilities of the position
• Strong interpersonal and problem-solving skills; professional appearance
• minimum of five years of commercial lending experience or three years as commercial lender with two years or credit analyst or other related lending experience

Nice To Haves

• Bachelor's degree preferred with emphasis in business, finance or accounting

Responsibilities

• Develops business loan and deposit relationships with existing and prospective customers
• Interviews credit applicants; analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan
• Compiles loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
• Approves loan within specified limits or prepares loan presentation to loan committee for approval in compliance with the Bank's lending policies and procedures
• Maintains loan file with current financial information per loan agreement
• Responsible for monitoring own commercial portfolio, working past due accounts and collection efforts
• Provides opportunities for relationship building by involving oneself in civic and community organizations and industry related groups
• Identifies and analyzes potential loan markets to develop prospects for commercial loans

What This Job Offers

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