Performs all facets of Commercial lending including making outside sales calls through the use of new business development tools, to achieve portfolio loan and deposit goals. Develop and manage loan accounts which meet established lending requirements and provide maximum profitability to the bank with minimum risk. Carry out public relations and participate in local events and organizations to represent the bank and develop new business contacts.

SPECIFIC RESPONSIBILITIES
Responsible for having knowledge of bank services and cross selling products based on the customer’s financial needs.
Responsible for establishing customer relationships to assure the ongoing growth of loans and deposits.
Assist in closing loans.
Interview loan applicants, collect and analyze financial and related data to determine the general credit worthiness of the prospect and the merits of the specific loan request.
Establish and negotiate where necessary the terms under which the credit will be extended, including the costs, repayment method and schedule and collateral requirements.
Collect and analyze information that reflects the creditworthiness of current customers and the current merits of existing loans. Information may be obtained by direct inspection of the applicant’s business and/or collateral, review of interim financial reports and personal interview.
Monitor loan repayment activities and take necessary action to collect from past due accounts.
Develop material for, and make loan presentations to the Senior Loan Committee where required.
Check loan documentation and computations of loan support documentation.
Monitor credit and collateral exceptions.