COMMERCIAL LOAN OFFICER I (-5)

Traditional Bank, Inc.•Lexington, KY

About The Position

Responsible for developing new relationships including loans and deposits, underwriting, structuring, and closing of commercial loans, as well as maintaining and servicing an existing portfolio, if assigned. Represents the bank in local community ventures through active participation in community affairs and participates in marketing all of the bank’s products and services.

Requirements

Bachelor’s degree (B.A.) from a four-college or university and 1- 4 years of related experience and/or training; or equivalent combination of education and experience.
A minimum of 1-4 years’ experience in commercial and commercial real estate lending.
Ability to read, analyze, and interpret business financial statements, tax returns, leases, rent rolls and other business financial information. Ability to accurately calculate and interpret ratios and other mathematical figures common in the financial industry such as debt service coverage, loan to value, weighted averages, present values, etc..
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
Knowledge of lending regulations and laws sufficient to perform normal daily lending requirements and activities acquired through a combination of education, experience, and training.
P.C. proficiency, especially in Microsoft Word or Excel.
Excellent interpersonal skills and characteristics necessary to interact, communicate, and relate to customers and bank personnel.
Ability to promote the Bank from a public relations and business development standpoint through customer relationships.
Valid driver’s license with a good driving record.
Ability to prioritize and organize job duties.
Ability to exercise confidentiality and exercise good judgment in decision making.
Proven track record in working with all levels of senior management.

Responsibilities

Production of commercial and commercial real estate loans from application through closing within individual lending limit authority. Presents loan requests to appropriate committee, etc. as dictated by policy.
Generates commercial loans and deposits through active business development activities and engagement with, and support, of senior lenders to foster referrals and transfers of relationships.
Monitors an existing commercial loan portfolio to ensure timely payments and renewals, proper risk ratings and early identification of potential problems.
Maximizes the bank’s profitability through appropriate pricing of new loan origination, fee income, and selling of all bank products and services.
Supports the bank’s strong relationship banking culture through systematic and regular customer contact, quality customer service, and superior product knowledge.
Promotes team effort and maintains morale; helps to develop pleasant and professional atmosphere.
Develops and retains new and existing business through office calls and cross-selling of bank products and services.
Is active in civic organizations and community groups.
Assists in approving customer overdrafts on a daily basis.
Performs other duties as required.
Completes on-line compliance training as required.