Commercial Loan Officer

Job description

Job Description

nJob Description

nTITLE : Business Client Advisor (Commercial Loan Officer)

nREPORTS TO : SVP, Commercial Banking Team Leader

nFLSA : Exempt

nCATEGORY : Full Time

nSHIFT : Monday – Friday 8:30am – 5:30pm

SUMMARY

nThe Business Client Advisor reports to the SVP, Commercial Banking Team Leader and is responsible for relationship management and development, as well as the generation of loan and deposit activity. Assumes responsibility and is accountable for adherence to Bank policies and procedures, as well as all applicable state and federal laws and regulations pertaining to banking.

ESSENTIAL DUTIES

nnProvides exceptional customer service to internal and external clients.

nEnsures proper underwriting and documentation of loans. Completes and approves credits in conformance with Loan Policy and within authorized limits and with satisfactory turn around times on all credit requests.

nResponsible for ongoing monitoring of credit quality of personal loan portfolio. Performs analysis of credit reports, business and personal tax returns, financial statements, cash flows, and pricing analysis. Independently researches and analyzes borrower company and industry data.

nEnsures clients are provided with safe and sound, cost effective and efficient services and products to help them reach their financial objectives. Offers creative solutions to meet the borrowing needs of our clients.

nManages relationships with existing clients to ensure satisfaction and retention.

nDevelops new lending and deposit relationships to ensure growth of the Bank.

nDevelops referral sources for additional business.

nProactively notifies clients of upcoming loan maturities, renewals, rate adjustments and other loan events, ensuring receipt of all necessary documentation to complete renewals in a timely manner.

n SECONDARY DUTIES

nnParticipates in Board Loan Committee meetings where appropriate.

nProvides direct and indirect customer service by giving advice and answers for a variety of basic to complex questions to clients and to colleagues. Refers inquiries to the appropriate department or person, exhibiting the necessary follow through with clients and/or colleagues involved.

nEnsures all related paper file systems are maintained so that necessary documents can be found easily, and documentation is consistent and complete.

nAssumes responsibility for various department functions in the absence of colleagues or in overload situations.

n GENERAL

nnProvides excellent personal customer service to all internal and external clients by treating people with respect; keeping commitments; inspiring the trust of others; working ethically and with integrity; upholding organizational values; and, accepting responsibility for own actions.

nFollows policies and procedures; completes administrative tasks correctly and on time; contributes to the overall profitability of the Bank through cost controls and expense monitoring.

nApplies good judgment in decision making and sees beyond immediate assignments and acts on opportunities and problem areas.

nPerforms position safely and reports potentially unsafe conditions.

nWorks according to established schedules, arriving on time and with a positive attitude.

nCompletes assigned Compliance Training.

nAny other duties as defined by management.

n QUALIFICATIONS AND DEMONSTRATED ABILITIES

nThese specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

nnBachelor degree in finance, accounting, business administration or related field; or equivalent combination of education and experience. Work related experience should consist of at least three (3) year’s experience in a commercial lending capacity. Educational experience, through in-house training sessions, formal school or related curriculum, should be applicable to finance, accounting or business.

nExceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, write reports, correspondence and procedures, speak clearly to clients, colleagues, directors, and shareholders.

nAbility to read, analyze and interpret business periodicals, professional journals and technical procedures.

nIntermediate computer operation skills; email, keyboarding, spreadsheet and specialty software programs to meet production needs of the position.

nAbility to deal with complex problems involving multiple facets and variables in non-standardized situations.

nExcellent organizational and time management skills.

nAbility to work with no supervision while performing duties and to handle confidential information with discretion.

n PHYSICAL REQUIREMENTS

nnAbility to sit and/or stand for extended periods of time.

nOccasional walking to assist or meet with clients and staff at various locations within the Bank.

nContinuous clarity of vision at 20 inches or less for normal processing of work.

nRepetitive use of hands such as grasping, twisting/turning of wrists, and finger dexterity necessary to perform various clerical duties such as typing, writing, and maintaining files.

nOccasional use of arms such as pushing/pulling to open and close drawers and cabinets.

nOccasional bending and/or reaching for supplies, etc. on both low and high shelves.

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Worksite address

portland, OR, 97204, US

Who can apply

Review the original listing for work authorization, qualifications and employer requirements.