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Heartland Bank and Trust Company · 2 hours ago

Commercial Lender II

Springfield, IL

Full-time

Onsite

Entry Level

$73K/yr - $117K/yr

1+ years exp

Heartland Bank and Trust Company is headquartered in Bloomington, Illinois, and is committed to preserving strong ties to the community. The Commercial Lender II manages a portfolio of small business and agricultural loans, engages in business development activities, and ensures loans are processed according to bank policies.

Asset ManagementBankingConsumer LendingCredit CardsDebit CardsFinancial ServicesLendingPersonal FinanceRetirementWealth Management

Responsibilities

Engage in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services

Gather and analyze all information necessary to present a financing request to Senior Management for approval; meet with existing or potential customers; visit sites of loans; negotiate loan terms and conditions; approve loans within established lending limits or refer and recommend approval to designated members of Senior Management and/or the Chief Credit Officer

Coordinate processing of approved loans; ensure loans are processed according to agreement, customer needs and conform to Bank lending policies; obtain sufficient information and/or documentation from customers; solve problems and ensure maintenance relative to processing and servicing of loans within his or her portfolio; approve loan disbursements in accordance with agreements; Negotiate, underwrite and process renewals of credit facilities

Authorize commitment, engagement, auction, and decline letters

Develop and maintain knowledge of financial industry, economy, market conditions, rates, vendors and competition

Responsible for meeting annual loan and deposit growth goals assigned by Senior Management

Assume responsibility for special projects; gathers data and prepares reports for Senior Management, audits and other personnel

Review NSF and overdraft reports for customers assigned within his or her portfolio; approve or decline such exceptions within established lending limits