Orange Bank & Trust - Chester, NY
posted 1 day ago
Full-time - Mid Level
Chester, NY
Credit Intermediation and Related Activities
About the position
The position involves developing, originating, managing, and underwriting commercial and industrial loans as well as commercial real estate loans that meet established lending requirements. The goal is to provide maximum profitability to the Bank while minimizing risk.
Responsibilities
- Interview loan applicants and collect and analyze financial data to determine creditworthiness and appropriateness of loan requests.
- Establish and negotiate terms for credit extension including loan pricing, structure, repayment terms, and collateral requirements consistent with Bank policies.
- Meet established loan production goals as well as deposit and fee income goals.
- Participate in community activities to increase the Bank's visibility and enhance new business opportunities.
- Develop analysis and Credit Memorandums for presentation and approval of loan requests.
- Monitor loan portfolio for repayments and take necessary actions for collection of past due accounts, including annual collection of financial information and reviews.
- Periodically visit Borrowers, performing site visits to promote good customer relations.
- Participate in sales meetings and blitzes.
- Cross sell Bank products and services.
Requirements
- Bachelor's Degree in Business, Economics, Accounting, Finance, or equivalent work experience.
- 5-10 years of Commercial Lending experience required.
