The SLC Lending Officer I is responsible for the underwriting, documentation, processing, and maintenance of lending products and loan files.

JOB RESPONSIBILITY AND DUTIES:

1. Maintain compliance by adhering to all Bank operating and lending policies/procedures.
2. Underwrite commercial loan products following the bank’s loan policy and procedures, and general prudent lending practice.
3. Perform credit analysis and creates financial spreadsheets; analyze business and global cash flow to determine credit eligibility/review.
4. Interview applicants for new loans and discuss loan products and requirements. 
5. Site visitations to new borrowers and existing borrowers. 
6. Prepare & review files for policy, regulatory, and documentation compliance, including equal credit, fair credit reporting, BSA, and other regulatory requirements. 
7. Prepare documents and meet with borrowers for proper, accurate, and timely signing of loan documents as well as notarization (if applicable).
8. Timely collection of financial and other tickler items. 
9. Review weekly past due reports to monitor payment performance of each borrower and take appropriate actions for delinquent borrowers.
10. Maintain and monitor existing loan files; obtain & review updated financial information, prepare and analyze reports, as needed.
11. Provide quality service to all clients and potential clients of the Bank, as needed and as required for obtaining necessary documents for other departments of the Bank.
12. Maintains high level of awareness in areas of regulatory compliance, loss prevention, security matters and adherence to Bank’s policies and procedures.
13. Stay informed on all policies, practices, regulations, and laws applicable to your position.
14. In accordance with the Bank’s BSA/AML/CTF/OFAC compliance requirement, identify and report any suspicious activities and/or OFAC violation to BSA Department.

QUALIFICATIONS:

• Bachelor’s degree in Business Administration or related field or equivalent work experience required.
• Minimum one year of experience in banking and/or lending required.
• Ability to retain broad knowledge of lending tasks.
• Strong analytical skills with a thorough understanding of lending operations and client needs.
• Present a professional image in dealing with customers, interdepartmental, and external representatives.