Commercial Lender III, Commercial Lending - 0HS6870319
DESCRIPTION/RESPONSIBILITIES:
Basic Qualifications
Education/Training:
A B.S. or B.A. degree in a related field normally required; specialized banking education and training.
Skill(s):
Proficient reading, writing, grammar, and mathematics skills; proficient interpersonal relations, communicative, and sales skills; a thorough knowledge of the features and benefits of all bank commercial products and services; a working knowledge of bank operating policies and procedures which impact commercial services; moderate computer skills; technical skills sufficient to provide guidance and training to Commercial Lender II(s) and I(s); visual and auditory skills; valid driver's license.
Experience:
A minimum of five (5) years' experience in commercial lending, small business lending or credit and two (2) years of commercial loan or small business loan production of $10mm or greater.
General Responsibilities
Responsible for performing a variety of duties to meet the commercial services needs of business customers; supporting the Bank Secrecy Act; achieving customer service goals as established annually; complying with operating policies and procedures established for the commercial services function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and customer files and providing assigned reports; providing guidance and on-the-job training to Commercial Lender II(s) and I(s) or other junior lending officers.
Essential Duties
1. Performs a variety of duties to meet the commercial services needs of business customers as follows:
1. Jointly establishes quantitative sales objectives, with assigned supervisor, on an annual basis; this activity to be integrated with the Lending Division's annual marketing/sales plan.
2. Solicits new business from present and prospective customers; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities.
3. Provides sales information on a timely basis in order that this information may be included as part of customer service and sales performance reports.
4. Monitors individual sales performance versus objectives on a regular basis; discusses performance with appropriate supervisor on a frequent basis.
5. Serves as a member of the Bank's lending team; makes partnership sales calls where these types of calls will improve the opportunity for new business development.
6. Maintains a thorough knowledge of the features and benefits of all Bank products and services in order to assess customer needs and to sell in conjunction with these needs.
7. Provides direct service to customers of the Bank with respect to deposit, loan, and other miscellaneous products and services; approves or rejects loan applications within individual lending authority.
8. Assists customers in obtaining specialized services from other lines of business within the departments as necessary; provides help to customers with specific inquiries or service problems.
9. Maintains a working knowledge of Bank operating policies and procedures which impact lending area.
10. Prepares and maintains accurate records of all customer service calls made and meetings held with present and prospective customers within CRM system.
11. Prepares and presents loan requests to Officer Loan Committee and Board of Directors when applicable. (outside lending authority)
12. Addresses/corrects pending documentation exceptions in a timely manner.
13. Works closely with Collection Department and legal counsel to minimize risk in past due or default situations.
2. Performs various duties to support the Bank Secrecy Act as follows:
1. Monitors suspicious activity and reports such activity to the Bank Secrecy Operations Officer via the Notice of Suspicious Activity form on the JSSB Intranet site.
2. Identifies customer by observance of acceptable ID.
3. Completes all CIP required documentation.
4. Assures OFAC checks are completed on new customers.
3. Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace.
4. Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.
5. Communicates with management and staff personnel in order to integrate goals and activities.
6. Responds to inquiries relating to his/her area, or to requests from other Bank personnel, customers, etc., within given time frames and within established policy.
7. Maintains appropriate records and provides assigned reports.
8. Provides guidance, on-the-job training, and technical assistance to Commercial Lender II(s) and I(s) or other junior lenders.
Ancillary Duties
1. Encourages community and leadership activities to promote personal growth and networking opportunities.
2. May attend sales and trade meetings as a Bank representative to develop new business and to gain information and leads on new business relationships.
3. Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.
Equipment/Machines
1. Automobile
2. PC/Computer keyboard
3. Printer/Copier/Scanner/Fax
4. Calculator
5. Telephone
Equal Opportunity Employer-minorities/females/veterans/individuals with disabilities/sexual orientation/gender identity
