Commercial Lender

Commercial Loan Officer is responsible for aggressively soliciting and servicing prospective customers producing a variety of commercial loans as well as generating and managing a portfolio of business and corresponding relationships, while seeking new accounts through calling efforts, marketing, and referrals, and may also be responsible for managing support staff.

Essential Duties and Responsibilities: To perform this job successfully, an individual must be able to perform the following satisfactorily; other duties may be assigned. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Develop commercial loans and deposit business by identifying prospects through a variety of sources including calling on and setting up appointments with potential loan prospects.


• Analyze financial information including balance sheets, income statements, cash flow statements, and tax returns to form an opinion of creditworthiness of applicants based on sound risk-based examination of strengths and weaknesses.


• Determine appropriate risk ratings and make recommendations for approval/denial of loan requests.


• Provide analytical support directly to the President & Chief Executive Officer to identify and measure credit risk and emerging trends within the association’s overall loan portfolio.


• Identify and generate leads for new business opportunities; obtain and analyze background information on potential customers.


• Analyzes client-provided financial information to appropriately underwrite and/or present credit structures for approval. Understands credit structures for underwriting commercial loans and adheres to company policies and procedures.


• Prepare written credit memorandums for presentation and approval.


• Monitor compliance with CRC approved terms for ongoing information requirements such as monthly financial statement information, borrowing base information, and/or loan or letter agreement covenants.

• Exercise Loan authority to make loans, issue letters of credit, lines of credit and pay overdrafts within designated authority.


• Calls on customers and make on-site visits to business customers to maintain rapport and to cross-sell other products and services. Calls on CPAs, attorneys, title companies, real estate brokers, and other sources to develop referral sources for new business.


• Active in the assessment of annual credit goals and objectives to optimize utilization of human and financial resources and to achieve corporate financial goals.


• Provide input and feedback to executive management regarding credit decisions on specific transactions.


• Participate in meetings with other units/departments to provide input and improve the process.

Knowledge, Skills & Abilities: The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Comprehensive understanding of commercial and real estate underwriting practices and regulatory governance of commercial lending activities.


• In-depth knowledge of economic, market, and competitor pricing trends to make informed recommendations for product pricing adjustments.


• Strong leadership and organizational skills to effectively motivate and develop teams.


• Well-developed interpersonal skills to positively represent the bank in interactions with staff, clients, vendors, management, and directors.


• Proficient in auditing loan portfolios to ensure compliance with policy guidelines.


• Effective problem-solving skills to investigate and resolve issues related to clients' accounts.


• Ability to make decisive decisions and attend meetings, reporting on areas of responsibility as requested by the President.


• Capability to work closely with senior management and various departments to implement programs that enhance the bank's growth.


• Competence in monitoring economic, market, and competitor pricing, and making necessary adjustments.


• Aptitude for collaborating with the President, CEO, CFO, COO, Branch Managers, Human Resource Manager, Marketing, and Compliance Coordinator.

Education:

• Bachelor’s degree in finance, accounting, economics, or related field.


• 5+ years experience in Gwinnett and Forsyth counties