Commercial Loan Officer III

Peoples Security Bank & Trust Company•Warrendale, PA

3h•Onsite

About The Position

Responsible for performing various duties to meet the commercial services needs of individuals or business customers as well as developing and managing relationships; achieving customer service goals as established in the division’s annual operating plan; complying with operating policies and procedures established for the commercial lending function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports; providing guidance and on-the-job training to Commercial Loan Officer I(s) and II(s).

Requirements

A B.S. or B.A. degree in a related field normally required; specialized commercial banking education and/or training.
Must demonstrate strong communication skills; proficient analytical and mathematics skills; proficient interpersonal relations, communicative, written and sales skills; a thorough knowledge of the features and benefits of all bank commercial products and services; a working knowledge of bank operating policies and procedures which impact commercial lending; proficient PC skills, including Microsoft Word and Excel; technical skills sufficient to provide guidance and training to Commercial Loan Officer I(s) and II(s).
A minimum of seven (7) years' experience in related positions normally required.

Responsibilities

Manages an individual loan portfolio; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities.
Jointly establishes quantitative sales objectives, with assigned supervisor, on an annual basis; this activity to be integrated with the Bank’s annual budget.
Makes outside calls and solicits new business from present and prospective customers.
Provides sales information on a timely basis in order that this information may be included as part of customer service and sales performance reports.
Monitors individual sales performance versus objectives on a regular basis; discusses performance with appropriate supervisor on a frequent basis.
Serves as a member of the Bank's sales team; makes group sales calls where these types of calls will improve the opportunity for new business development.
Maintains a thorough knowledge of the features and benefits of all bank commercial products and services in order to ascertain customer needs and to sell in conjunction with these needs.
Collects and analyzes financial, credit, and related information; provides direct service to commercial customers of the Bank with respect to deposit, loan, and other miscellaneous products and services; negotiates provisions and structures of loans.
Makes presentations to appropriate loan committee.
Assists customers in obtaining specialized services from other bank departments as necessary; provides help to customers with specific inquiries or service problems.
Maintains a working knowledge of bank operating policies and procedures which impact commercial services.
Prepares and maintains accurate records of all customer service calls made and meetings held with present and prospective customers.
Actively represents the Bank in public relations and other related community activities.
May attend sales and trade meetings as a bank representative to develop new business and to gain information and leads on new business relationships.
Monitors loan repayment activities of assigned loan portfolio.
Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.