What are the responsibilities and job description for the VP Senior Commercial Loan Officer II position at Union Savings Bank - CT?
Sales
- Develop and manage large and most complex commercial account relationships.
- Solicit for new business and interview applicants.
- Communicate with internal/external customers throughout application and loan process.
- Demonstrate strong leadership skills.
- Cross sell bank products and services, utilizing referral sources and joint calling efforts with other Bank sales specialists to inform prospects and customers.
- Able to handle multiple, complex transactions at a time with little supervisor assistance.
- Knowledgeable in bank operations, procedures, and in the types of transactions which are most desirable to the Bank.
- Structure, coordinate and underwrite all loans in conjunction with Credit Administration as applicable.
- Handle new loan requests in conjunction with governmental loan programs.
- Able to handle any type of complex loan closings in conformity with bank policies and procedures including closings enhanced by derivatives.
- Identify, cultivate and maintain relationships with referral sources.
- Demonstrate the ability to consistently produce in the top third among peers for new loans and fees.
Portfolio Management
- Collect and analyze financial and related data to establish creditworthiness.
- Monitor customer’s account relationships through financial analysis and ongoing customer contact thus increasing retention and satisfaction, while minimizing risk.
- Manage and structuring some of the most complex credits within the Department.
- Manage a large commercial portfolio with minimal delinquency and runoff.
- Demonstrate ability for monitoring customer adherence to loan terms and enforcement of conditions precedent, covenants and general monitoring.
- Attentive to duties as a loan officer and detail-oriented.
Community Involvement
- Maintain through active participation professional and community relationships, increasing the Bank’s visibility within the marketplace, thus generating new business opportunities and furthering professional development.
- Keep abreast of local economic, financial and legislative events which may have an impact on commercial lending activities.
- Keep current and maintain knowledge of changes in regulatory environment pertaining to commercial lending.