Commercial Lender

Platte Valley Companies•Scottsbluff, NE

10d

About The Position

The Commercial Lender expands lending relationships and helps achieve profit goals by extending credit to assigned existing accounts and developing relationships with new customers, in accordance with established procedures. The role builds a market base through relationship development, markets additional bank services to existing customers, and provides some loan servicing. It also creates opportunities for relationship building through participation in civic and community organizations. The position serves present and prospective borrowers, evaluates loan applications and credit risk, and makes or recommends lending decisions within established authority. It maintains customer relationships and electronic credit files, develops financial analysis skills, and manages a loan portfolio to standards set by senior bank management. The Commercial Lender also supports local marketing efforts and maintains a presence in the agriculture and/or business community. The role requires a bachelor's degree, effective communication and computer skills, discretion with sensitive information, self-direction, and the ability to travel to meet customer needs and attend training. Physical duties are classified as light work and include occasional exertion of up to 20 pounds and a range of movements and interactions. The work may be performed with or without reasonable accommodation.

Requirements

Bachelor's degree required; a business, finance, or accounting emphasis is preferred.
Effective oral and written communication skills, including telephone communication.
Ability to use and understand computer software related to the position's essential responsibilities.
Competency in decision-making, dependability, development, environmental safety, evaluation, interpersonal relations, prioritization, problem-solving, selling, teamwork, and time management.
Demonstrated achievement in social and/or extracurricular activities and leadership skills.
Demonstrated aptitude for handling sensitive operational transactions and customer relationships.
Professional appearance.
Self-sufficient and self-starting.
Ability to work with and maintain the confidentiality of sensitive information.
Ability to travel to meet customer needs and for training.
Ability to perform the listed job activities in a reasonable manner, with or without reasonable accommodation.
Physical capacity for light work: exerting up to 20 pounds occasionally, up to 10 pounds frequently, and/or negligible force constantly; activities include reaching, fingering, grasping, repetitive motions, stooping, crouching, standing, walking, lifting, climbing, kneeling, talking, hearing, pulling, pushing, thinking, concentrating, and interacting with others.

Nice To Haves

One to two years of credit analysis training preferred.
A bachelor's degree emphasis in business, finance, or accounting is preferred.

Responsibilities

Attend to the needs of present and potential customers seeking loans.
Interview applicants to assess whether loans are acceptable risks under bank policy.
Make loan and loan-term decisions within personal lending authority, or recommend loans 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 flows.
Analyze financial statements, cash flows, and cash budgets and make sound credit recommendations.
Develop and maintain an extensive professional network of potential customers.
Participate actively in developing and executing local marketing strategies and plans.
Maintain a loan portfolio that meets quality standards and qualifications established by senior bank management.
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 loan servicing on existing accounts according to procedures.
Perform other duties as assigned.