Commercial Loan Officer

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Job description

Job Title: Commercial Loan Officer

Department: Lending

Reports To: Chief Lending Officer

Classification: Exempt

Summary

The Commercial Loan Officer is responsible for soliciting, negotiation, underwriting and coordinating the closing of all types of loans, including: C&I, CRE, and business loans, in compliance with the Bank's lending policies and procedures. The Commercial Loan Officer assists in attaining established Bank goals through active participation in sales management and officer call programs. This position handles a portfolio of moderate to complex level of commercial loans.

COVID-19 Vaccination required. The Bank will consider accommodations for disability and religious-based reasons.

Essential Job Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.

• Establishes and services a sound loan portfolio by cultivating new business and expanding existing portfolio.
• Provides quality customer service to area businesses and professionals.
• Calls on potential and existing customers to develop new business and increase and retain existing business.
• Solicits, develops, and services a wide variety of commercial loans and lines of credit, both secured and unsecured.
• Interviews loan applicants and analyzes applications and supporting credit information to determine needs, abilities, and earnings to determine whether the loan would be an acceptable risk within accepted lending practices and current Bank policies.
• Analyzes complex business transactions across all industries, ranging from commercial to industrial loans to income producing real estate loans.
• Monitors assigned credits for compliance with terms of loan approval.
• Provides direction to Credit Analysts in the development and analysis of financial background data for new or renewed loans and may perform credit analyst functions on occasion.
• Provides clients appropriate and profitable financial solutions to their current and changing financial needs.
• Arranges credit/deposit facilities for new and existing customers.
• Manages existing portfolios to maximize client profitability.
• Participates in various community service or social organizations on behalf of the Bank.
• Performs other related duties as assigned.

Knowledge, Skills, and Abilities Required

• Knowledge and understanding of the Bank's products, services, Loan Policy and procedures, along with general knowledge of federal and state laws and regulations that govern commercial/business lending.
• Excellent business development and client cultivation skills.
• Excellent written and verbal communication skills. Understanding of effective communication concepts, tools, and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• Ability to manage multiple assignments, projects, groups, or activities, making effective judgments as to prioritizing and time allocation.
• Proficient knowledge and use of MS Office products (Word, Excel, Outlook) with the ability to learn and adapt to new technologies quickly.

Required Education and Experience

• Five or more years of commercial lending/relationship management experience.
• Bachelor's degree in finance or related field preferred.
• Formal credit training.

Physical Demands

• performing the duties of this job, the employee is constantly required to view computer screens, remain in a stationary position, and operate a computer and other office productivity machinery, such as a multi-line telephone, copy machine, scanner, fax, and computer printer. The employee needs to frequently communicate with internal and external contacts and move about inside the office to access file cabinets, office machinery, etc. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment

• Climate controlled business office environment.
• Ability to work in artificial light for extended periods of time.
• Noise level is usually moderate.
• Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions and frequent interruptions during the day.
• This is a full-time position: Monday through Friday; 40 hours per week.
• Work requires regular attendance, punctuality, and adherence to agreed-upon schedule with willingness to work a flexible and/or rotating schedule and/or extended hours, as needed.

Travel Required

• Minimal (5%-10%) local, non-overnight travel.

Other Duties

The above job description is not intended as an all-inclusive list of the essential functions which the individual will be required to perform. The individual may be required to perform other reasonable business-related duties and tasks, as assigned, at the discretion of management. Mountain Pacific Bank reserves the right to change or modify this job description, as needed, at any time, with or without notice. This job description does not constitute a written or implied contract of employment or otherwise modify the terminable at will employment relationship.

Mountain Pacific Bank promotes equal opportunity workplace. The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodations will be made to enable individuals with disabilities to perform essential functions.