Summary: This is an officer level position which will report to the Commercial Real Estate segment of the Bank. The ideal candidate will require proficiency in sales, relationship building, and underwriting of investor owned commercial real estate properties; good credit skills; good customer service, sales and negotiation skills; significant bank product knowledge; and the ability to operate with limited supervision. The candidate is to be self-motivated and can mulita-task attending to client needs, light portfolio management, and loan growth.

Essential Duties and Responsibilities

• Manages an existing or develop a new commercial real estate loan customer base and develops new business from referral sources, designated marketing efforts, and through cold calling efforts. Properly structures and successfully negotiates loan transactions with customers and prospects within accepted risk tolerance levels.

• Effectively cross-sells all bank loan, deposit, treasury management and electronic products.

• Manages daily overdrafts, provides quality customer service and answer customer inquiries or directs/refers them to appropriate BankFinancial personnel/third-party vendors.

• Manages loan renewals, collection efforts on all past due loans and loans in default in a timely manner and maintain a high level of asset quality within a designated portfolio.

• Maintains a satisfactory level of familiarity with target markets and customers.

• Reports to Management issues, new developments, market conditions as needed.

• Receives, previews, and conducts initial viability analysis on loan applications and related documents. Ensures that applications are complete as to core requirements and all other initial items have been received or requested prior to submission to underwriting.

• Reviews and presents loan presentations to supervisor, provide review of loan documents, and provide final review of all other related loan documentation and closing items.

• Follows-up with the customer or designated representative whenever the customer/representative provides an inadequate response, insufficient information, or does not respond in a timely manner to BankFinancial personnel through the underwriting and closing process as well as ongoing portfolio management.

• Maintains database software pipeline to record calling and sales efforts.

• Ensures electronic loan files are properly documented and maintained.

• Prepares management reports as needed.

• Meets specific loan origination and deposit growth performance expectations including Commercial Loan Portfolio Growth (Gross), Increase Gross Depository Relationship, and Minimum number of sales calls per week.

BankFinancial is an Equal Opportunity Employer (minorities/females/veterans/individuals with disabilities/sexual orientation/gender identity)
Required Experience:

• Bachelor’s Degree (B.S.) from four-year college or university; five years related credit experience or equivalent combination of education and experience

• At least five years of relevant commercial real estate credit experience, preferably in a bank or commercial finance company environment, sourcing and underwriting all types of commercial real estate investor owned properties including multifamily, retail, light industrial, medical office and multi-tenant retail. Some exposure and experience with Capital Market Products a plus.

• Customer service and sales skills

• Credit analysis experience

• Loan documentation skills

• Organizational skills and detail oriented

• Time management skills

• Negotiation skills

Travel

The associate may be required to travel to and from other Bank locations and outside sales activities as needed. The associate may be reimbursed for mileage that exceeds the normal commute mileage between the associate’s residence and home location.
From: BankFinancial