Business Dev Officer-Commercial Lending

Position Purpose:

To develop a portfolio of commercial real estate loans and small business loans with a goal of achieving full banking relationships. To actively participate in civic, community and professional activities as a means of business development and to enhance the Bank’s position in the market area.

Essential Duties:

• Business development, participation in call program, and community involvement to increase the Bank’s market share.
• Identify banking needs of customer and/or prospect, recommend appropriate product/structure, and gather necessary financial information needed if a credit decision is required.
• Dependent upon size of credit and/or relationship, compile and analyze financial data to include cash flow, collateral, peer group, and industry analyses.
• Approve or disapprove loans within established credit limits, establish appropriate interest rate based on pricing model, and close all loans non-real estate secured loans.
• Participate in the collection process as needed, recommending courses of action (i.e. legal action, repossession of collateral, loan restructuring, etc.)
• Maintain current knowledge of laws, regulations, and banking industry changes for compliance.
  
  

Training:

• Analyzing Industry, Business & Management Risks: Training as scheduled
• Analyzing Personal Financial Statements and Tax Returns: Training as scheduled
• Cash Flow Analysis: Training as scheduled
• Commercial Loan Documentation: Training as scheduled
• Loan Structuring: Training as scheduled
• Real Estate Fundamental for Commercial Lenders: Training as scheduled
• Commercial Lending Schools (ECU): Training as scheduled
• Bank Secrecy Act
• Privacy Act
• Other compliance training as assigned
  
  

Communication:

• Communicate clearly and concisely to all Bank employees and customers, emphasizing the need for trusting relationships and understanding.
• Communication methods to include contact and document management software, call reports, and sales meetings.
  
  

Supervisory Responsibility:

Co-Supervise a Commercial Loan Administrative Assistant

Knowledge/Skills:

• College degree in Business Administration and/or preferably Finance
• Experience in lending and collection activities with a thorough understanding of compliance and regulatory issues pertaining to all facets of the loan area.
• Ability to effectively communicate, both verbally and in writing, Bank policies and procedures to employees and other Bank department as required and to actively promote the Bank to generate new business, an to project a positive Bank image within the local community.
• Interpersonal skills to generate new and strengthen existing customer relationships.
• Ability to effectively manage administrative staff member.
  
  

Working Conditions:

Job requirements and management of customer relationships will dictate time schedules. Business development, training sessions, civic involvement and community activities all demand close to 50% of the time being spent outside of the Bank. Vehicle transportation is essential for the performance of these duties as well as to properly service existing relationships.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed under the knowledge/skills section are representative of the knowledge, skill set, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.