VP Senior Commercial Loan Officer II

Sales

• Develop and manage large and most complex commercial account relationships.
• Solicit for new business and interview applicants.
• Communicate with internal/external customers throughout application and loan process.
• Demonstrate strong leadership skills.
• Cross sell bank products and services, utilizing referral sources and joint calling efforts with other Bank sales specialists to inform prospects and customers.
• Able to handle multiple, complex transactions at a time with little supervisor assistance.
• Knowledgeable in bank operations, procedures, and in the types of transactions which are most desirable to the Bank.
• Structure, coordinate and underwrite all loans in conjunction with Credit Administration as applicable.
• Handle new loan requests in conjunction with governmental loan programs.
• Able to handle any type of complex loan closings in conformity with bank policies and procedures including closings enhanced by derivatives.
• Identify, cultivate and maintain relationships with referral sources.
• Demonstrate the ability to consistently produce in the top third among peers for new loans and fees.

Portfolio Management

• Collect and analyze financial and related data to establish creditworthiness.
• Monitor customer’s account relationships through financial analysis and ongoing customer contact thus increasing retention and satisfaction, while minimizing risk.
• Manage and structuring some of the most complex credits within the Department.
• Manage a large commercial portfolio with minimal delinquency and runoff.
• Demonstrate ability for monitoring customer adherence to loan terms and enforcement of conditions precedent, covenants and general monitoring.
• Attentive to duties as a loan officer and detail-oriented.

Community Involvement

• Maintain through active participation professional and community relationships, increasing the Bank’s visibility within the marketplace, thus generating new business opportunities and furthering professional development.
• Keep abreast of local economic, financial and legislative events which may have an impact on commercial lending activities.
• Keep current and maintain knowledge of changes in regulatory environment pertaining to commercial lending.