Senior Commercial Banker

Morton Community Bank

12h•Onsite

About The Position

Morton Community Bank was established in Morton, Illinois, in 1960. In some locations, our bank name is synonymous with our logo, as Clock Tower Community Bank (a division of MCB). Currently, we have over 550 employees, 50 branch locations, and over $5 billion in assets. Thanks to our ESOP (Employee Stock Ownership Plan), our employees are also owners of the Bank! We pride ourselves on our dedicated service to our customers and our communities. The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.

Requirements

High school diploma or equivalent
Bachelor’s degree from a four-year university or college; or 5 to 10 years related experience and/or training; or equivalent combination of education and experience
BSA and other Bank related training through BAI is required annually
Overview course provided by MCB
Experience with structuring and underwriting complex commercial credit facilities
Knowledge of customer service principles
Relevant computer skills

Responsibilities

Responsible for the development, maintenance and growth of individual commercial loan portfolio.
Interviewing, screening and analyzing loan requests for all types of commercial loans.
Approving, documenting and collecting or denying commercial loans while adhering to all bank policies, procedures and banking regulations.
Responsible for all aspects of loans as well as providing deposit and cash management solutions and a broad array of lending products to meet business clients’ capital needs.
Soliciting new profitable business relationships as well as developing and managing existing account relationships in conjunction with bank goals.
Meet with applicants to obtain information for loan applications and to answer questions about the process.
Explain to customers the different loan and credit products that are available, as well as the terms of those services.
Obtain and compile copies of loan applicants’ credit histories, corporate financial statements and other financial information.
Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans.
Structuring, underwriting and presenting loan requests in accordance with internal policies and procedures.
Responding to customer information requests or inquiries involving commercial loans.
Review and update credit and loan files.
Review loan documents to ensure they are complete and accurate according to policy and prepare and organize loan documents for closing.
Adhere to credit policies, credit lines, procedures and standards in conjunction with senior managers.
Service existing customers and enhance relationship by cross selling business and personal products.
Service delinquent accounts by documenting and following Bank policies for collection.
Maintain orderly and complete financial reporting and documentation for all customers.
Develop referral relationships to proactively solicit business and conduct sales-related activities to meet specific loan volume origination goals.
Involvement in local community through clubs, luncheons, business organizations, etc. and developing relationships with local government and business leaders of community.
Maintain and update calling program in effort to attract new business opportunities.