United Bank Corporation · 13 hours ago
Commercial Lender - Covington, Georgia
Covington, GA, US
Full-time
Onsite
Mid LevelUnited Bank Corporation is a 120-year-old Community Bank in Middle Georgia, offering exciting career opportunities. The Commercial Lender will serve customers by providing credit facilities, developing loan opportunities, and building relationships while ensuring compliance with banking regulations.
BankingFinancial Services
Responsibilities
Actively participates in business development, public relations, and community engagement to generate new commercial lending opportunities
Builds and maintains strong relationships with existing and prospective customers
Assists customers in applying for credit and other banking services
Interviews potential loan customers and collects and analyzes financial data and credit details to determine creditworthiness and loan request merits
Collaborates with credit analysts to fully underwrite and narrate credit facilities for approval in LoanVantage
Establishes and negotiates terms for credit facilities including project scope, repayment methods and collateral requirements
Utilizes the Risk Rating Tool and Loan Pricing Model to assign appropriate risk grades and determine competitive, profitable pricing
Prepares and presents complete loan packages and recommendations to the appropriate approval authority
Provides terms sheets and commitment letters to potential borrowers
Works closely with Loan Officer Assistants, Centralized Loan Processing, and legal counsel to ensure proper documentation and timely loan closings
Collects past due loans as well as overdrawn checking accounts within the loan portfolio
Manages maturing loans to ensure timely loan renewals
Manages portfolio growth by increasing average outstandings, net growth, loan fees, and net earnings
Refers business to ancillary business units within the bank
Monitors a monthly scorecard to assess goal progress in sales, credit quality, and referrals to ancillary business units
Ensures full compliance with all Federal and State banking and non-banking laws and regulations
Maintains current knowledge of industry regulations, requirements and trends by attending seminars, member associations and reading trade periodicals
Performs other duties as assigned
Qualification
Required
Bachelor's degree in business, finance, accounting or related field; or equivalent professional experience
Proven analytical skills with the ability to evaluate creditworthiness using financial statements, tax returns, credit reports, and other relevant data
Ability to assemble and write concise and coherent narratives for Loan Approval Forms
Strong financial acumen with the ability to calculate and interpret financial ratios, cash flows, interest rates, and amortization schedules
Excellent written communication skills, including the ability to prepare clear, concise, and persuasive loan narratives and approval presentations
Demonstrated success in business development and maintaining a productive sales pipeline
Sound judgment and the ability to make fair, objective, and fact-based credit decisions
Knowledge of applicable State, Federal and legal regulations and requirements
Strong organizational skills and the ability to manage multiple priorities and deadlines
Effective interpersonal skills with the ability to build trust and rapport with customers and team members
Demonstrated leadership, project management, team building, and time management skills
Ability to exercise discretion and tactfully handle sensitive and confidential matters
Proficiency in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint) and other related software
Professional presence and ability to present loan requests confidently in credit committee meetings
Benefits
Paid employee health insurance
Dental insurance
Vision insurance
Short-term disability insurance
Paid long-term disability insurance
Paid life insurance
401(k) plan with employer contributions
Employee Stock Ownership Plan (ESOP) with employer contributions
Flexible spending account (FSA)
Wellness program
Employee assistance program
Vacation time
Sick time
Paid federal holidays
Other unique perks
Company
United Bank Corporation
United Bank Corporation is a banking corporation headquartered in Georgia.
Founded in 1905
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Jim Edwards
CEO
Scott Swafford
Chief Operating Officer
Company data provided by crunchbase