Commercial Banking Officer (Commercial Lender)

TowneBank has a culture that:

• Has a commitment to exquisite service for our members that will lead to our ability to create a reasonable rate of return for our shareholders, a bright future for our dedicated bankers, and a leadership role for our bank in promoting the social, cultural, and economic well-being of our community.
• Embraces our hometown banking philosophy, where our family members, directors, and employees are active volunteers, serving on numerous boards and donating their time and talents to local organizations.

Job Description:

The Commercial Banking Officer makes and services commercial loans within lending limits. They perform other customer service routines as required and manage a commercial loan portfolio. They may also make consumer loans and residential mortgage loans.

As the Commercial Banking Officer, you may look forward to:

• Developing new business for the bank by calling on prospective commercial members.
• Retaining existing members through follow-up and by providing excellent service.
• Interviewing applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
• Obtaining and analyzing financial data and providing service on approved lines of credit, equipment financing loans, etc.
• Drafting necessary documents and agreements.
• Conducting credit checks.
• Making decisions on loans and terms if within the lending limits or making recommendations to a superior lending officer.
• Following current loans to ensure complete conformity with terms and knowledge of developing trends.
• Calling on potential or existing members and introducing them to other departments when another service is needed.
• Supervising and giving direction to staff (if applicable).
• Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML), including the Bank Secrecy Act (BSA)

You are a person who (required skills):

• Has at least five years of commercial lending experience or experience in loan operations or credit analysis.
• Has extensive knowledge of documentation and regulations.
• Has proven business development skills
• Has excellent communication skills and the ability to interact professionally.
• Has strong connections to and relationships with referral sources/centers of influence in the greater Richmond market.
• Proficient skills in Microsoft Word, Excel, and Outlook.

You’ll be better prepared if you have (desired skills):

• A Bachelor’s degree in Business, Accounting, or Finance.
• Previous management or supervisory experience.

Physically, you can anticipate:

• Expressing or exchanging ideas by means of the spoken word via email and verbally.
• Exerting up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time.
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation.
• Not substantially exposed to adverse environmental conditions.