POSITION PURPOSE

The position involves all aspects of the Commercial lending function. The incumbent provides underwriting and analytical work as part of the credit approval process, monitors the existing loan portfolio, and markets for new clients to grow the loan portfolio.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

• Gathers appropriate information necessary for the proper underwriting of extensions of credit.
• Obtains and analyzes appropriate diligence materials for the evaluation of collateral value. 
• Analyzes pertinent information and develops appropriate internal loan application documentation used in the approval process.
• Participates in the assembly of complete loan underwriting packages with adequate documentation to meet bank management and regulatory guidelines. Must be familiar with standard concepts, practices, and procedures associated with lending to various industries. 
• Presents loan requests to various Loan Committee’s.
• Works with attorneys to ensure appropriate documentation.
• Monitors existing client relationships including periodic borrowing base and collateral reports and follow up responsibilities related to any past due accounts within the loan portfolio.
• Works with Credit Analysts and Portfolio Managers to provide necessary training and proper analytical outcomes. 
• Maintains open lines of communication with bank clients and bank management.
• Other duties as assigned.

QUALIFICATIONS

Education/Certification:A college or university degree in a related subject; ten or more years of related experience and/or training, or equivalent combination of education and experience is required.

Required Knowledge:
Knowledge of generally accepted accounting principles and various types of commercial loan products are required. 
Proven analytical ability is also a requirement. 
Verbal and written communication skills are a must.
Familiarity with the bank`s loan policy is a must.

Experience Required:
At least five years of related experience in a financial institution, with a minimum of two years of supervisory experience. 
At least five years lending experience. 
Commercial Lending experience required. 
Real estate and origination background preferred.

Skills/Abilities:
Excellent writing skills are required. 
The ability to write routine loan memoranda and loan application requests concisely and thoroughly are a must. 
Experience with Microsoft Office, especially Excel and Word are required.