Commercial Lending Officer
About The Position
The First National Bank of Dennison is a Community Bank with strong roots in Tuscarawas County, Ohio. This position will focus on increasing commercial loan volume in Southern Tuscarawas County and surrounding counties-- Harrison, Guernsey, Coshocton, and Carroll in Ohio. This position primarily focuses on generating, processing, and servicing commercial real estate lending, including purchases, refinances, SBA, demand revolving lines of credit, ILOCs, construction, and real estate development lending within the bank’s lending area, etc. We are searching for the ideal candidate to be a strong member of our lending team and fit our community minded philosophy.
Requirements
- Minimum 4-year college degree in business, finance or related field
- Excellent sales ability and loan generation
- Excellent communication, management, analytical and interpersonal skills
- Solid knowledge of commercial real estate lending policies and procedures
- Proven public relations skills
Responsibilities
- Makes retention and business development calls on existing and potential new clients
- Documents calls and makes calls weekly
- Interviews applicants for commercial loans
- Has loan authority and could sit on Loan Committee
- Analyzes and screens loan requests for all types of loans.
- Prepares and presents requests to executive management, the director’s loan committee, and the board when the proposed loan is beyond departmental lending authority. Packages loans and recommends loan terms and conditions.
- Ensure all documentation is presented to the Loan Clerks for proper completion of loan documents and booking of the loans
- Works with credit analysts to complete debt service coverages and underwriting memorandums
- Manages large or complex commercial loans and counsels loan customers on loan management and beneficial financial strategies
- Manages time well – returning and following up with incoming and outgoing calls, handling branch walk-ins and call logs, etc.
- Collects from delinquent loan customers and arranges work-out situations
- Creates appraisal evaluations for commercial loans and all documentation required by regulation
- Promotes a favorable image of the financial institution in all business activities within the community
- Refers other lines of business to other areas of the bank
- Has overall well-rounded knowledge of all deposit and ancillary business products
- Attends all required loan meetings and bank training/coaching
- Completes volunteer hours and is involved in the community
- All other duties required by the bank
Benefits
- Medical- HSA option, Dental, Vision
- Long and Short Term Disability
- Generous PTO Package
- Cell Phone & Mileage Reimbursement
- 401K up to 5% Match
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
