Sound Community Bank: Commercial Loan Officer II. Will need to have a broad comprehension of Bank operations and regulatory conformity, such as the Bank Secrecy Act.

Sound Community Bank: Commercial Loan Officer II. Will need to have a broad comprehension of Bank operations and regulatory conformity, such as the Bank Secrecy Act.

Commercial Loan Officer II

PLACE EXPLANATION The Commercial Loan Officer II is in charge of supplying expert lending that is commercial to current and potential bank customers. The Commercial Loan Officer II is anticipated to accomplish their production that is certain and calling objectives and correctly handle their assigned loan portfolio.

PLACE QUALIFICATIONS Bachelors’ degree preferred, plus at the least 3 – 5 years of progressively responsible Commercial Lending experience. Trustworthiness and sensitiveness are necessary. Experience competencies needed consist of, but they are not restricted to: ? capability to underwrite credit demands, determine appropriate loan framework and current proposed loan demands for approval ? Prepare professional Credit Write- Ups for review by Commercial Team Lead, Credit Administration and Loan Committee for approval ? capacity to assess and grade credit danger, financial obligation solution capability and ratio analysis ? Good knowledge of economic statements including stability sheets, earnings statements and declaration of cash flows ? exceptional relationship building and social skills ? Strong consumer focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exceptional verbal and written interaction abilities ? exemplary proofreading abilities with a very good awareness of detail ? power to work both separately so that as a team player ? Practice perfect ethical behavior and knows the necessity for confidentiality ? Information Technology knowledge is a bonus. ? should have legitimate driver’s permit and usage of an insured automobile

Should have a broad knowledge of Bank operations and regulatory conformity, such as the Bank Secrecy Act.

RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will continue to work closely utilizing the Commercial Team Lead and Commercial Banking Manager to control current lending clients and develop brand brand new client relationships to attract future financing possibilities when it comes to bank. The Commercial Loan Officer II will be able to work closely aided by the Bank’s Credit Analysts to aid in analysis of credit needs and planning of Credit Write ups.

Outside Bank Position keeps regular and close relationship that is working a variety of facilities of influence, community leaders and company experts.

PLACE OBLIGATIONS

Responsibility # 1 Loan Production and Upkeep

Originate, underwrite, and service a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate

Track loan that is existing to keep up a superior quality asset base and help in number of delinquent loans

Negotiate renewals of credit facilities. Suggest approval of loan payments, construction draw requests, draws from personal lines of credit and funds transfers with specified limitations

Responsibility # 2 Credit and Borrower Review

Screen possible borrowers that are commercial analyzing their business strategy, methods, and projections, in addition to, historical monetary statements and company outcomes

Speak to current clients and leads through different techniques to talk about company requirements and suggest ways the lender can offer solutions

Utilize Credit Analysts to accurately review potential debtor requests and coordinate processing of approved loans

Test loan that is financial and prepare annual term loan reviews

Ensure all loan papers are correct, finalized and recorded/perfected.

Ensure all supporting documents is complete and signed whenever necessary.

Responsibility # 3 Start Up Business Developing / Community Outreach

participate in company development tasks and get new quality that is high and deposit company to realize volume and/or manufacturing objective

Express SCB at different community functions and professional/civic groups to further enhance the Bank’s image and presence

Responsibility # 4 Continuing Education

Update work knowledge by taking part in academic possibilities, maintaining networks that are personal taking part in professional companies.

Sound Community Bank is definitely an opportunity that is equal and all sorts of qualified candidates will get consideration for work without respect to competition, color, faith, intercourse, nationwide beginning, sexual orientation, sex identification, impairment status, protected veteran status, or just about any other characteristic protected for legal reasons.