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Commercial Loan Officer

Company: Recruitology, Inc.
Location: Santa Maria
Posted on: November 16, 2020

Job Description:

POSITION TITLE: Commercial Loan Officer

DEPARTMENT: Lending

REPORTS TO: Chief Credit Officer/Branch Manager

In accordance with established loan policies and procedures, develops and manages commercial and consumer loans which provide profitability to the bank with minimum risk. Interviews loan applicants; collects and analyzes financial and related data to determine applicant’s creditworthiness and merits of the specific loan request. Approves or rejects loans requests within approved lending limits. Presents loan requests in excess of lending limits to other Loan Officers or Bank Loan Committee. Monitors existing loans and delinquencies. Keeps current of lending laws, regulations and practices. Interacts with all bank management and personnel.

Some qualifications that are required for this position include, but are not limited to, the following:

• Develops and manages commercial and consumer loan accounts that meet established loan policies and procedures and provide profitability to the bank with minimum risk.

• Interviews applicants, collects, analyzes and verifies financial and related data to establish the general creditworthiness of the prospect and the merits of the specified loan request. May obtain information through direct inspection of the applicant’s business, and/or collateral, review of current company financial reports, personal interview, credit report, federal tax returns, and other means.

• Establishes and negotiates, where necessary, credit terms, including costs, repayment method, and schedule and collateral requirements.

• Approves loans up to his/her lending limit. May approve loans higher than lending limits, but must obtain concurrence.

• Prepares material for and presents loan request to Bank Loan Committee when proposed dollar amount exceeds management’s lending authority.

• Monitors customer’s creditworthiness and repayment activities and takes necessary action to collect from past-due accounts.

• Personally calls on customers and prospects to develop new business.

• Maintains professional and community relations to increase the Bank’s visibility and new business opportunities, and to further personal development.

• Keeps abreast of bank loan products and other financial products and services to meet customer needs. Keeps current on lending laws, regulations, and practices.

• Ensure compliance with Bank policies and procedures.

• Provides excellent customer service by greeting customers in person and on the telephone, provides general information, answers questions and direct individuals to appropriate person as necessary. Contact requiring courtesy, discretion, and sound judgment.

• Occasionally responsible for the staff and operations of branch office.

• Perform other duties as assigned.

• The duties listed above are intended only as illustrations of the various types of work that may be performed. The omission of specific statements of duties does not exclude them from the position if the work is similar, related, or a logical assignment to the position.

Licensing and Certification

Federal MLO Active Registration through the Nationwide Mortgage Licensing System

Minimum Qualifications (Education, Experience, Skills)

Degree in Business Administration or related field or equivalent education or experience.

Ability to multi-task, organize and prioritize work and meet deadlines.

Strong verbal, written and public speaking skills and interpersonal skills.

Knowledge of regulations within the banking industry.

Strong word processing skills.

At the time of hire, and as a condition of employment, applicant must comply with a background screening.

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Keywords: Recruitology, Inc., Santa Maria , Commercial Loan Officer, Other , Santa Maria, California

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