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Wilson Bank & Trust · 4 days ago

Commercial Lenders - Rutherford County, TN

Smyrna, TN

Full-time

Onsite

Mid Level

3+ years exp

Wilson Bank & Trust is seeking a Commercial Lender to develop and retain commercial business in Rutherford County, TN. This role involves meeting with prospects and customers, conducting credit analysis, preparing loan proposals, and ensuring compliance with banking regulations.

BankingCommunitiesFinancial Services

Culture & Values

Responsibilities

Develop and retain commercial business, especially in assigned designated region, meeting with prospects and customers of various size and complexity

Make business calls independently and also in collaboration with internal business partners to offer a range of banking products and services

Schedule and coordinate meetings with customers and prospects. Attend business events. Serve as point of contact for new and existing customers

Receive loan applications and related documentation required at application

Conduct preliminary credit analysis, review customer financial statements, and make recommendation to management

Prepare loan proposals and credit memos, negotiating terms such as loan repayment methods and collateral specifications

Develop and maintain interest rate structure consistent with bank policies and procedures and competitive with current market rates

Comply with loan underwriting criteria to include approval limits, LTV, lien position, insurance requirements, etc

Responsible for monitoring construction draws, clearing exceptions, and gathering financial documentation from customers and internal teams

Monitor loan status and follow up on outstanding documentation

Communicate with prospects and borrowers on the status of credit decisions

Maintain collection efforts to minimize past-due accounts

Attend office and bank meetings, as scheduled, providing input and updates on commercial lending activities as required

Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; and participating in professional associations

Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program

Attend training and participate in outside community activities, as requested and/or required

Perform other duties as assigned

Qualification

Commercial lending experienceFinancial principles knowledgeLoan underwriting expertiseReal estate lending knowledgeCredit analysis skillsSales experienceEffective communicationAttention to detailProblem-solving skillsTime managementTeam collaboration

Required

Bachelor's degree in business, finance, or related field

3 years of experience in commercial lending

Previous sales experience, specifically managing relationships and developing new business

Knowledge of real estate lending, documentation, collateralization, UCC-1 Law, lien perfections, and Deeds of Trust

Strong knowledge of financial principles, loan underwriting, lending regulations, credit analysis, and contracts with individual or corporate borrowers

Understanding of the loan-funding process and use of general ledger accounts for funding

Ability to work on multiple projects simultaneously

Effective verbal and written communication skills and excellent interpersonal skills

Effective presentation skills

Attention to detail, critical thinker and problem-solving skills

High standards for integrity, honesty, professionalism, and work ethic

Commitment to service excellence

Ability to work independently while demonstrating excellent organization and follow through

Demonstrate flexible and efficient time management and ability to prioritize workload

Ability and willingness to work with purpose and a strong sense of urgency

Self-motivated, positive, and enthusiastic

Self-starter with a strong desire to exceed expectations