Commercial Loan Officer II (COMME013853)

This job was posted by : For moreinformation, please see: Commercial Loan Officer II is responsible for extending creditwithin the policies and guidelines set forth in the loan policy. Thisposition ensures that all loan decisions, actions, and recommendationsare based on an accurate and thorough understanding of each customer'sfinancial needs and conditions and comply with all laws, regulations,and bank policies. The Commercial Loan Officer II must properlyadminister the creditworthiness and documentation of all loans and/orborrowing relationships originated or assigned to the officer. Further,it is the officer's responsibility to maintain current credit files andproper note and collateral security addition, each officer shall be responsible for:A. Assigning the proper credit rating to loans as defined in this policyat origination and as conditions may change with the normal creditmonitoring process. It is expected that officers should be the first torecognize and report deterioration in the credit quality of a loan orborrowing relationship. Early identification of problem loans isextremely important to minimize losses.B. Recommending approval and administering workout programs for problemloans.C. Recommending approval and monitoring levels of reserves establishedfor loans serviced by the officer.D. Administering the collection process either internally or with bankcounsel, complying with all laws and regulations.E. Protecting depositors' funds and stockholders' equity.F. Generating earnings for the bank and its stockholders.G. Promoting and maintaining a favorable image for the bank.H. Interviewing loan applicants and making credit decisions.I. Responsible for developing new business and managing existingportfolio.J. Responsible for collecting past due loans keeping credit andcollateral exceptions within policy ranges.K. Manages a portfolio of loans and may coordinate collection efforts.ESSENTIAL DUTIES AND RESPONSIBILITIES1. Interviews commercial loan applicants. This duty is performed daily,about 10% of the time.2. Examines and evaluates applicant??s credit and financial history.This duty is performed daily, about 10% of the time.3. Examines/Views collateral (if applicable) to determine adequacy.This duty is performed daily, about 10% of the time.4. Authorizes or recommends approval/denial of applicant. This duty isperformed daily, about 10% of the time.5. Approves loan within specified limits or refers to appropriateapproval level. This duty is performed daily, about 5% of the time.6. Prepares loan offering memorandum. This duty is performed daily,about 10% of the time.7. Ensures all loan documents are complete, accurate and in accordancewith policy. This duty is performed daily, about 5% of the time.8. Closes/Declines loans in a timely manner. This duty is performeddaily, about 5% of the time.9. Monitors loan portfolio/performance. This duty is performed daily,about 5% of the time.10. Corresponds with customers. This duty is performed daily, about 10%of the time.11. Recommends changes in risk rating. This duty is performed daily,about 5% of the time.12. Collects past due loan payments. This duty is performed weekly,about 5% of the time.13. Develops potential loan markets and loan prospects. This duty isperformed daily, about 5% of the time.14. Completes required BSA/AML training and other compliance trainingas assigned. This duty is performed annually, about 5% of the time.15. The ability to work in a constant state of alertness and in a safemanner.16. Perform any other related duties as required or assigned.QUALIFICATIONSTo perform this job successfully, an individual must be able to performeach essential d ty mentioned satisfactorily. The requirements listedbelow are representative of the knowledge, skill, and/or abilityrequired.EDUCATION AND EXPERIENCEBroad knowledge of such fields as accounting, marketing, businessadministration, finance, etc. Equivalent to a four year college degree,plus 5 years related experience and/or training, and 4 years relatedmanagement experience, or equivalent combination of education andexperience.ADDITIONAL INFORMATION-College degree in general business, finance, economics or accounting,preferred College degree in general business, finance, economics oraccounting.-Five (5) years lending experience.-Five (5) years?? experience with banking, investment, or economicanalysis.-Two (2) years?? experience using Microsoft Word and Excel.-Must have general computer skills.-The ability to communicate using oral and written skills

Created: 2026-03-07