Summary:

Originates loans and deposits and offer products and services to business and professional clientele. Establishes, develops and retains customer relationships through referrals and business development. Responsible for development and maintenance of a commercial real estate and construction loan portfolio and provides high quality, value-added client service.

Essential Duties & Responsibilities

• Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; and provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards
• Take time to understand applicant’s business/management
• Seek means of providing applicant bank products and services that enhance business success by collaborating with treasury management staff
• Accept credit applications; interview loan applicants
• Review applications and credit histories
• Review and analyze credit reports and financial information
• Evaluate existing and projected property or company cash flow
• Determine value of collateral; review independent appraisal reports
• Respond to inquiries regarding business and consumer lending and other Bank products
• Approve or reject credit applications within bank standards
• Maintain existing customer relationships; develop and expand new customer relationships
• Prepare detailed, complex loan presentations for new credit applications including construction rehabilitation loans
• Monitor loans through periodic reviews and documentation
• Perform credit checks and site inspections as necessary
• Review maturing loans, loan extensions and construction draws
• Collect past due accounts
• Oversee loan documentation and processing including review and negotiation
• Properly maintain credit files including file memos updating the status of the client relationship
• Keep up to date on commercial real estate market/industry
• Maintain knowledge of and compliance with banking regulations
• Be knowledgeable of and promote all Bank products and services
• Provide timely and responsive customer service
• Assist in conducting direct report performance reviews and reviews of Loan Administrators as requested
• Perform other duties as assigned

Required Qualifications

• Bachelor’s degree in Finance, business or other related area, or equivalent work experience.
• 5 years’ experience in commercial lending with substantial expertise in Commercial Real Estate and Construction Lending, including history of managing a large real estate portfolio

Preferred Qualifications

• Proven business development skills
• Thorough knowledge of credit services and other banking services
• Thorough knowledge of lending policies and procedures
• Thorough knowledge of business and property cash flow
• Intermediate computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis; internet; email; and bank software.
• Effective oral and written communication skills