Commercial Lender

Organization: Community National Bank was founded in 1984 by a group of individuals in Nemaha County, Kansas with diverse local ownership with decisions made on a local level.

Position mission:

This position is responsible for assisting with the management and growth of commercial loan portfolio.

Major Duties:

• Develop and retain existing commercial relationships and generate new business through loans, accounts,  and services for both business and consumer
• Interview applicants to determine loan requirements and gather pertinent information for loan applications.
• Analyze applicant information to determine feasibility of granting loans within loan policy.
• Approve loan within specified limits or champions loan opportunities to the credit department and/or Committee for proper approval.
• Resolve uncertainties relating to customer application information through inquiries with applicant or creditors.
• Negotiate and/or recommend credit terms, costs, loan repayment strategies, and collateral specifications
• Explain to the customer the different types of loans and credit options that are available, as well as the terms of those services
• Review loan agreements and make sure that they are complete and accurate
• Ensure timely loan closing and funding activities
• Maintain customer relationships through regular communication and follow up
• Maintain up to date knowledge on baking laws, regulations, compliance issues, and bank policies
• Maintain a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations.
• Manage loan portfolio including renewals, modifications, updated credit analysis, collections, collection of required ongoing documentation, annual financial reviews and portfolio monitoring through effective pipeline management
•  Uses experience and sound judgment to plan and accomplish goals.
• Develop working knowledge and use of software programs such as, but not limited to, the following:
  • Fiserv
  • Suntell

General Responsibilities:

• Support CNB’s strong relationship culture through quality customer service and superior product knowledge
• Provide superior customer service by resolving problems efficiently and responding timely
• Identify and implement solutions to problems in general and urgent matters
• Actively seek to add and enhance knowledge regarding developments and current trends in the industry
• Seek counsel of supervisor on issues as appropriate
• Work collaboratively with staff to maintain a team environment
• Flexible to accept additional assignments as requested by leadership
• Cross train for other positions to cover when necessary
• Professionalism while representing CNB (onsite, professional and community events and via communications)
• Participate and attend meetings as requested
• Recommend policies and procedures as it relates to area of responsibility
• Timely responses to inquiries for information to customers, staff and vendors
• Answer telephone calls and provide a prompt response
• Follow CNB’s policies and procedures
• Other duties as assigned

Qualifications:

• Bachelor’s degree in finance, business management or related field preferred
• 5 years of experience in bank lending, loan review, or related field preferred, 2-4 years required
• Requires a high degree of confidentiality
• Working knowledge of accounting and workflow software, and Microsoft office (word, excel, Outlook, PowerPoint, etc.)
• Exceptional communication skills, written and verbal, organizational skills, time management skills and be a self-starter
• Detail oriented and ability to self-audit work to ensure accuracy
• Requires being reliable, responsible, and dependable to fulfill the obligations of this role

Physical Demands:

The physical demands described are representative to those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee must be able to stand and sit for extended lengths of time, read computer screens, talk on the phone, unpack and move supplies up to fifty (50) pounds, reach, kneel, bend, climb and balance. Vision abilities required for this job include close vision.

Work Environment:

While performing the duties of this job, the work environment is primarily a professional, deadline driven environment with interaction of internal team members and external customers. Noise level in the work environment can be loud.

Additional Duties:

This job description is only a summary of the typical functions of this position, not an exhaustive nor all-inclusive list of all possible job responsibilities, tasks, duties, knowledge, skill and ability required to perform this job. Additional duties and responsibilities may be added to this job description at any time. The job description does not state or imply that these are the only activities to be performed by the employee(s) holding this position. Employees are required to follow any other job-related instructions and to perform any other job-related responsibilities as required.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate individuals.  Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.  However, no accommodations are made which may pose serious health or safety risks to the team member or others, or which impose undue hardships on Community National Bank.  An individual seeking an accommodation should contact the Human Resources Manager or CEO.

Job descriptions are not intended to and do not create employment contracts. Community National Bank maintains its status as an at-will employer.  Team members can be terminated at any time, for any reason not prohibited by law. Community National Bank is an equal opportunity employer.