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Manage and grow profitable relationships through commercial and agricultural lending operations.
a. Solicits and makes loans to commercial finance clients.
b. Responsible for building and maintaining relationships of commercial finance.
c. Identify and generate leads for new business opportunities; obtain and analyze information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
d. Evaluates the financial condition of the client, the value of pledged collateral, and the client’s management effectiveness and competency.
e. Makes decisions on loans and terms if within own lending limits or makes recommendations to a superior.
f. Understands credit structures for underwriting commercial loans and adheres to Bank policies and procedures. Analyzes client provided financial information in order to appropriately underwrite and/or present credit structures for approval for loans/relationships below committee level approval.
g. Responsible for final presentation to Loan Committee.
h. Monitors the quality of existing accounts and loans to recognize unfavorable trends and recommends corrective action; recognizes problem loans and bring to Management attention early.
i. Reviews and approves DDA accounts and overdraft activity on said accounts.
j. Reviews note, deed, security agreements, and other documentation that are part of the lending process.
k. Verifies that assigned accounts conform to contract and policy limits.
l. Ensures that necessary documentation is completed, and requests additional data as needed.
m. Confers with superiors on difficult or sensitive issues.
n. Calls on potential or existing customers to develop new business and increase or retain existing business.
o. Participation in IBAT and TBA.
a. EDUCATION:
Bachelor’s Degree in Accounting, Business, Economics, or Finance required.
b. RELATED WORK EXPERIENCE:
Five plus (5 ) years lending experience managing portfolio with actual lending limit.
Basic experience in budgeting, cash flow and credit analysis.
Knowledge of industry preferred.
Job Type: Full-time
Benefits:
Schedule:
Ability to Relocate:
Work Location: In person
Full Time
Banking
$46k-62k (estimate)
04/04/2024
04/16/2024
legendsbank.com
CLARKSVILLE, TN
100 - 200
1998
BILLY ATKINS
$10M - $50M
Banking
The job skills required for Commercial Lender include Commercial Loans, Accounting, Underwriting, Employee Assistance Programs, Life Insurance, Economics, etc. Having related job skills and expertise will give you an advantage when applying to be a Commercial Lender. That makes you unique and can impact how much salary you can get paid. Below are job openings related to skills required by Commercial Lender. Select any job title you are interested in and start to search job requirements.
The following is the career advancement route for Commercial Lender positions, which can be used as a reference in future career path planning. As a Commercial Lender, it can be promoted into senior positions as a Loan Processor III that are expected to handle more key tasks, people in this role will get a higher salary paid than an ordinary Commercial Lender. You can explore the career advancement for a Commercial Lender below and select your interested title to get hiring information.
If you are interested in becoming a Commercial Lender, you need to understand the job requirements and the detailed related responsibilities. Of course, a good educational background and an applicable major will also help in job hunting. Below are some tips on how to become a Commercial Lender for your reference.
Step 1: Understand the job description and responsibilities of an Accountant.
Quotes from people on Commercial Lender job description and responsibilities
A commercial lender grants financial loans to businesses.
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Commecial Lender resolves uncertainties relating to customer application information through inquiries with applicant or creditors.
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They structure loans within loan policy. Approves loan within specified limits or champions loan opportunities to the credit department and/or Committee for proper approval.
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Commercial Lender prepares financing proposals consistent with approval for presentation to the applicant.
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Commercial lenders also look at the purpose of the business, the character of the business owner, where the business operates, and the projected annual sales and growth for the business..
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Step 2: Knowing the best tips for becoming an Accountant can help you explore the needs of the position and prepare for the job-related knowledge well ahead of time.
Career tips from people on Commercial Lender jobs
There are many ways to advance in the field of commercial lending. One of the best is to get an advanced degree in business or finance. This will give an individual the skills and knowledge they need to move into management or executive positions.
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They can also advance by taking on more responsibility at your current job, or by moving to a larger bank or financial institution.
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Present a professional loan package.
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Minimum of 5 years’ experience in Commercial Lending, with a preference for existing experience within service area
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Attend credit training.
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Step 3: View the best colleges and universities for Commercial Lender.