Commercial Loan Officer Job at Teksky, Plymouth, MN

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  • Teksky
  • Plymouth, MN

Job Description

Summary

The Commercial Loan Officer is responsible for developing new business, underwriting, structuring and closing of commercial loans, as well as maintaining and servicing a commercial loan portfolio. This position will represent the bank in its market area through active participation in community affairs.

Primary Responsibilities

  • Interview applicants to determine loan requirements and gathers pertinent information for loan applications.
  • Conduct initial analysis of applicant's financial status, credit, and asset evaluation to determine feasibility of granting loan. Work with Credit Analyst Department to prepare financial analysis and credit display.
  • Ability to listen and ask questions of applicants to understand the applicant's business and determine proper loan structure.
  • Structure loans within loan policy. Approves loan within specified limits or champions loan opportunities to the credit department and/or Committee for proper approval.
  • Prepare financing proposals consistent with approval for presentation to the applicant.
  • Review loan documentation prior to closing for completeness and acceptance by the applicant.
  • Ensure timely loan closing and funding activities.
  • Maintain a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations.
  • Actively participate in community and professional organizations and events.
  • Manage loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring.
  • Uses experience and sound judgment to plan and accomplish goals.

Education & Experience

  • Experience in Commercial Lending, with a preference for existing experience within service area. Credit training/experience required.
  • Bachelor's Degree in Business or related area.
  • Ability to present, sell and service bank products as well as demonstrate professional knowledge of commercial lending.
  • Ability to generate $4-$6 million in new loan growth annually.
  • Applicant should be able to exercise good judgment in establishing and maintaining working relationships, solve problems, and be able to deliver a high level of accuracy, focus and timeliness with limited supervision.
  • Strong written and verbal communication skills are required along with a proficiency in Microsoft Office Suite of Programs/Products.
  • Must have the ability to read, analyze, and interpret policies, contracts, credit and financial documents as well as other legal documents as needed.
  • Strong analytical and mathematical capabilities as well as an understanding of credit underwriting and loan documentation.

Job Tags

Bank staff, Local area,

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