Overview:

 This position requires the employee to identify, acquire, and grow new and existing profitable business relationships with small to medium sized businesses that create value for the customer which yields net new commercial loan growth with new to bank deposit balances for the organization.  The position of C&I Commercial Loan Officer encompasses full banking relationship management of all commercial clients maintained by the C&I Commercial Loan Officer.                        

Responsibilities:

Follow prescribed daily regimen of prospecting activities targeting prospective borrowers including commercial property buyers, owners, real estate agents, mortgage brokers, CPA’s, attorneys and bank personnel in assigned branches pursuant to sales leads and referrals intended to generate new loans and deposits. Completes required tracking mechanism for sales activity.

Primarily sell owner occupied commercial mortgages, secured and unsecured lines of credit, and commercial term loans, but will also, at times, refer Investment CRE loans opportunities and Residential Mortgage or Home Equity loan opportunities.

Develops and retains commercial business, meeting with prospects and customers with average to significant complexity and dollar size in keeping with authorized levels of authority.

Manages existing portfolios, monitoring the financial condition of account in relation to acceptable risk including: timely written loan renewal request presentations, diligent collection of past due payments, regular documented site visits as well as maintaining properly documented and up to date loan files.

Attends to the needs of customers seeking loans or lines of credit on terms that involve significant amounts of unsecured funds and/or credit secured by mortgages or other collateral.

Interviews prospective commercial loan applicants to develop information concerning their business needs, desires, capabilities and earnings.

Provides financial advice and counsel to customers and prospective customers.

Manages all phases of the sales life cycle including but not limited to lead generation and sourcing, relevant systems, loan policies and structure, product knowledge, and financial analysis.

Utilizes decision making tools and credit analysis skills to make appropriate credit and structuring decisions.

Completes all required paperwork and forms in a timely and accurate manner; prepares all required reports.

In the performance of respective duties, must maintain knowledge of and ensure compliance with Bank Secrecy Act regulations and all other regulatory, security and bank policies.

Participates in weekly team meetings to report status on leads and new business development.

Qualifications:

Five to seven years related experience or equivalent.

Bachelor’s degree in related field or equivalent

Excellent communication and interpersonal skills.

Ability to read, analyze and interpret financial statements, accounting papers, income tax returns, bank policies and government regulations.

Commitment to excellence and high standards.

Excellent written and oral communication skills

Strong organizational, problem-solving and analytical skills

Ability to manage priorities and workflow.

Versatility, flexibility, and willingness to work within constantly changing priorities with enthusiasm.

Acute attention to detail

PC proficiency.

Excellent customer service skills

Proven ability to handle multiple projects and meet deadlines

Strong interpersonal skills

Good judgement with the ability to make timely and sound decisions

Demonstrated ability to calculate figures and amounts such as discounts, interest, commissions and percentages.

Ability to effectively present information and respond to questions.

Must be able to travel to client locations.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Regular attendance and punctuality are essential functions of every job.  Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Physical effort normally found in clerical work or the equivalent. Work is primarily sedentary; however, occasional handling of small objects (up to approx. 10 lbs.), and occasional walking or standing may be required. Work environment is in General office or other equivalently good environment with minimal existing or potential hazards.

SUPERVISORY RESPONSIBILITY:

This position has no supervisory responsibilities.