Performs a variety of commercial loan support services, including numerous duties which facilitate and safeguard the lending function.
Minimum of 2 years of credit experience required
Use critical thinking to conduct thorough risk analysis of applications for commercial credit.
Construct financial statement spreads and understand and interpret key ratios.
Complete thorough real estate evaluations on various property types.
Responsible for calculating risk scorecard and recommending risk ratings.
Collect credit information for preparation of commercial loan package.
Provide an analyzed, researched, and documented package for review by supervisor, officers, committee, or Board as appropriate.
Maintain complete and orderly credit files on loan customers and obtains credit information on borrowers.
Maintain various loan/departmental reports.
Contact clients as necessary.
Assist loan officers as requested.
Working knowledge of and compliance with policies and procedures of the Bank.
Additional responsibilities as assigned.
Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
Be familiar with and comply with all federal and state banking regulations as applicable.