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Bank of Washington · 6 days ago

Commercial Lending Officer

Union, MO 63084

Full-time

Onsite

Mid Level

3+ years exp

United Bank of Union is searching for a Commercial Lending Officer to develop and support the lending activities of the bank. The ideal candidate will possess prior commercial lending experience and a strong credit/risk management background.

CommunitiesFinancial ServicesInsurance

Responsibilities

Identify and cultivate new commercial lending and deposit opportunities through networking, referrals, and community involvement

Build and maintain relationships with business clients and referral sources

Analyze client needs and recommend appropriate loan products

Review loan requests, credit history, and financial statements to perform a detailed analysis to determine whether proposed applications meet lending criteria

Prepare proposed credit memos, including recommendations for loan pricing and terms, and receive concurrence from the credit approving officer/s prior to proceeding with in-depth client negotiations

Monitor loan portfolio, communicating directly with borrowers, to ensure that all required financial exhibit due dates are monitored and received from customers in a timely manner

Maintain the credit quality of their individual portfolio within bank standards and guidelines; promptly surface all risk issues uncovered over the course of managing the portfolio

Ensure all loans meet federal, state, and internal banking regulations

Adhere to all federal, state, and bank regulations, including lending limits and documentation

Represent the bank at community events and business functions to enhance visibility and build relationships

Qualification

Commercial lending experienceCredit/risk managementBusiness developmentFinancial analysisLoan origination systemsCommunication skillsNegotiation skills