Central Bank · 22 hours ago
Commercial Lender
Warrensburg, MO
Full-time
Onsite
Mid, Senior Level
3+ years expCentral Bank is seeking a Commercial Lender to manage credit relations with individuals and businesses seeking various loans. The role involves overseeing a commercial loan portfolio, making lending decisions, ensuring adherence to bank procedures, and achieving sales and referral goals.
FinanceFinancial Services
Responsibilities
Solicits, develops, and manages credit relations with individuals and businesses seeking a variety of secured and unsecured loans, including commercial, real estate, and construction
Oversees and manages commercial loan portfolio
Portfolio consists of the commercial loan accounts; makes decisions within prescribed guidelines
Refers more complex loans to Chief Lending Officer
Responsible for the overall profitability and quality of loan portfolio
Operates within established lending authority and guidelines; provides optimum profitability balanced with acceptable risk
Ensures adherence to established bank loan procedures, practices, and reporting requirements
Responsible for sales development and referral activities including sales training and activities
Creates a teamwork environment to ensure that quality service is provided, and sales/business development goals are met
Conducts relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations
Interview loan applicants to develop information concerning their businesses, needs, desire, abilities, and earnings to determine whether a loan may be an acceptable risk
Evaluate the financial condition of the client, the value of pledged collateral, and the client’s management effectiveness and competency
Make decision on loans and terms if within own lending limits
Refer loans over loan authority to Chief Lending Officer or Loan Committee
Ensure optimum profitability balanced with acceptable risk
Monitor quality of existing accounts by verifying that assigned accounts conform to contract and policy limits
Ensure that necessary documentation is completed and request additional data as needed
Recognize unfavorable trends and recommend corrective action
Confer with Chief Lending Officer on difficult or sensitive issues
Coordinate loan activities with appropriate departments
Responsible for the attainment of loan objectives to include origination, outstanding, delinquency, charge-off, fee income, interest income, and return on assets
Make referrals to other business units for traditional and non-traditional banking products and services
Under the direction of Senior Lending Officer, establish daily, weekly, monthly, and quarterly business development, sales, and referral goals
Develop a marketing plan utilizing effective sales techniques that will generate additional new commercial loans
Maintain personal accountability for sales and service standards and for meeting business development, sales, and referral goals
Implement tactical plans that focus our relationship selling effort to manage our most profitable customers in the community
Identify opportunities to deepen our relationship with customers that have a minimal relationship but offer upside potential and aggressively sell to this customer base
Identify clients who are not profitable and aggressively manage the relationship to be a more profitable one
Actively call on new and prospective customers, exploring needs and cross-selling and recommending bank products and services that are in the best interest of the customer and that achieve their financial objectives
Actively profile customers to ensure strong understanding of the total customer financial picture
Ensure thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures (i.e., CRA, Fair Lending, etc.) evidenced by appropriate application of these regulations in day-to-day operations
Demonstrate the highest level of professionalism, efficiency and customer service when resolving the most difficult customer issues
Understand and maintain a thorough knowledge of Central Bank’s services, operations, and organization; communicate this understanding to others when appropriate and refer inquiries and correspondence to the proper department or individual
Attend all required training
Assist others as needed
May be assigned other duties and responsibilities
May be assigned work or training at other assigned locations
Qualification
Required
Bachelor's degree, or equivalent combination of education, training and experience that provides the required knowledge, skills, and abilities
Minimum 3-5 Years Commercial Lending Industry Experience Required
Strong ability to analyze financial statement and loan risk
Possess good judgment skills
Ability to make independent decisions within prescribed guidelines, research and solve problems, work independently, handle confidential information, and manage multiple tasks
Thorough knowledge of bank products and services
Demonstrated skill in soliciting business for bank deposit products and loan services
Ability to identify client needs, present banking solutions and bank products
Ability to recognize closing opportunities and retain and grow customers relationships
Ability to read, write, and speak English
Strong organizational skills and attention to detail
Company
Central Bank
Central Bank is a privately held $20 billion bank headquartered in Jefferson City, Missouri. Serving 13 markets in 8 states.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
unknown2019-04-10Acquired
1998-07-01IPO
Leadership Team
Bill Ferguson
President and CEO
Marshall Abney
President & CEO
Recent News
Business Wire
2022-03-01
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