This role is responsible for loan portfolio management and maintenance. In addition to insuring high standards for customer service, work quality, presentations, and compliance with policies and process are maintained. The VP Commercial lender is responsible for self-development by keeping skills up-to-date (sales, policy, management, documentation, compliance, technical, etc) through multiple resources and will maintain individual professional development plan.
Responsibilities:
Process to Close the Loan:
Leverage your internal and external resources to guarantee efficient process of all aspects of process: (I.e.): Ensure appraisal is ordered, arrange for the title work, etc.
Assign the file to LOA for file preparation.
Review loan file to ensure all terms and conditions have been met and obtain all appropriate signatures, including depository requirements.
Coordinate execution of the documents to close the loan.
Loan Write-Up and Process:
Understand customer request and make preliminary determination of viability.
Collect pertinent information to the request including financial statements, project information, background and as much information as possible.
Partner with Credit to obtain any additional information or clarifications.
Communicate committee decision to customer.
Move to close the loan.
Loan Portfolio Management and Maintenance:
Monitor portfolio for credit quality, past due credits, non-performing loans, loan servicing and clearing outstanding loan conditions.
Consistently call on clients/members on quarterly to semi-annual basis to keep aware of new opportunities.
Relationships and Loan Portfolio Growth for Existing Customers:
Monitor customer relationship development and account management to include: Identifying cross sell opportunities for deposits and all other products/services.
Develop a strong business pipeline of transactions and activity to enhance the customer relationship. Goal is $15MM in loan production, $7MM in portfolio growth and $60,000 fee income
Preferred Education and Experience:
Five to eight years of commercial lending experience.
Bachelor's Degree in Finance, Business or a related field of study.
Seniority level
Associate
Employment type
Full-time
Job function
Finance and Sales
Industries
Banking
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