Correspondent Banking Lending Officer

First National Bankers Bank

10h•Remote

About The Position

The Correspondent Lending Officer solicits, negotiates, makes, and services commercial loans and loan participations purchased and sold in accordance with the Bank’s lending policies, procedures, and goals. The officer develops business relationships with correspondent banks and their lending staff, promotes Bank business through customer relationships and referrals, and supports regional and enterprise-wide goals through sales management and officer call programs. The position also provides leadership, training, and support to less experienced loan officers and other staff, while ensuring compliance with Bank policies and applicable state and federal banking regulations. The role involves business development with correspondent banks, assessment and analysis of loan requests, preparation and presentation of credit requests, negotiation and servicing of loans, and ongoing coordination with internal teams, originating banks, participants, borrowers, and legal counsel. This is a remote position located in the Southeast region of the U.S., with frequent travel to customer and prospective banks.

Requirements

Prior correspondent or commercial lending experience.
Located in the Southeast region of the U.S.
Ability to travel frequently to customer and prospective banks.

Responsibilities

Solicit new loan and loan participation business from correspondent banks and promote the Bank’s products, services, and capabilities.
Visit prospective selling banks, request information about loan participation opportunities or credit requests, and follow up to resolve questions about applications.
Pre-qualify and assess loan requests, analyzing financial condition and risk in light of the Bank’s credit culture and economic and industry trends; work with credit analysts on underwriting documentation.
Seek ongoing guidance from the Chief Credit Officer regarding lending practices, policies, procedures, and risk tolerances.
Gather and analyze information for loan requests presented to senior management or the loan committee; discuss opportunities with originating banks, visit borrower businesses or examine collateral when appropriate, negotiate loan terms, risk-rate loans, and recommend approval to lending authorities.
Review loan packages for completeness, ensure loans are processed according to agreements, customer needs, and Bank policies, obtain necessary customer information and documentation, address servicing issues, and approve disbursements in accordance with agreements.
Participate in weekly Executive Loan Committee meetings.
Ensure credit inquiries and UCC filings are researched to assess creditworthiness and collateral positioning.
Ensure appropriate personnel certify or delete collateral.
Negotiate and process renewals of credit facilities.
Approve loan payments, line-of-credit draws, and fund transfers within specified limits.
Authorize commitment, engagement, and decline letters.
Coordinate with legal counsel, originating banks, participants, and borrowers on workouts, bankruptcies, and charge-offs, taking appropriate precautionary measures.
Maintain knowledge of the financial industry, economy, market conditions, rates, vendors, and competition.
Promote superior customer service through personal example and follow-through with customers and employees.
Apply sound decision-making within Bank policies, procedures, and assigned approval limits, and use situations to support employee development.
Represent the Bank at professional and customer-relations functions and help maintain its market position in correspondent banking.
Perform other duties as assigned.