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Job description
Summary:
Create and maintain close relationships with all parties involved in commercial transactions and help facilitate sales through the structuring of creative and appealing loan products.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Core duties and responsibilities include the following. Other duties may be assigned.
Develops and retains commercial business, meeting with prospects and customers of moderate size and complexity in a designated region to achieve sales goals under limited supervision of more experienced personnel.
Makes call independently and may accompany more experienced personnel on larger account visits.
Gathers related financial and general business information, performs financial analyses needed to make credit decisions, participates in team credit decisions and communicates with prospects and customers to close sales.
Develops broader knowledge base of commercial and other products and services, including loan policy, documentation, structuring and regulatory requirements.
Continues developing growing network of outside referral sources for new business.
Ensures that own work is in compliance with applicable laws, regulations, and guidelines.
Represents the Bank at various civic and community functions to enhance its image and develop new business.
Works with collectors and other Loan Servicing personnel to resolve delinquent payment issues, credit problems, and related situations.
Perform other duties as needed or assigned by management.
Successfully complete in-house training as required.
Recommends other Bank products and services when appropriate.
Provide and maintain professional business atmosphere. Promote a professional, positive and proper image of the Bank to the public and to the employees.
Maintain good working relationship with support departments and management.
Adopt First National Bank of Pasco's philosophies and adhere to Bank policies and procedures.
EDUCATION AND/OR EXPERIENCE:
Minimum 5 years of experience in originating commercial first and second mortgages, commercial construction loans, working capital lines of credit, and other related products. Bachelor's degree required. Degree in business, finance, or management preferred. Underwriting knowledge, from origination to loan closing. Strong consultative sales skills. Excellent interpersonal relations and communications skills. Proficient reading, writing, grammar and mathematics skills.
COMPUTER SKILLS:
To perform this job successfully, an individual should have knowledge of Spreadsheet programs, Customer relationship management programs, accounting software; Database software; Internet software; and Word Processing software, Sales Pro/Laser Pro, DO/Fannie Mae, FHA Connection, Secondary Market systems.
BANK SECRECY ACT:
In the performance of respective tasks and duties, the employee is expected to maintain knowledge of and ensure compliance with all BSA/AML/OFAC regulations and all other regulatory, security and bank policies.
COMPANY CONFORMANCE:
In the performance of respective tasks and duties, the employee is expected to successfully perform quality work within deadlines with or without supervision, interact professionally with other employees, customers and suppliers; work effectively as a team contributor on all assignments and work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.
PHYSICAL DEMANDS/WORK CONDITIONS:
In the performance of respective tasks and duties, the employee is expected to successfully perform the essential functions of the position. Reasonable employee accommodation for physical or mental disabilities will be considered on a case-by-case basis. While performing duties the employee is required to sit, talk, hear, lift up to 20 lbs., and may be required to work evenings and/or weekends, attend remote meetings and/or travel.
OTHER DUTIES:
This job description in no way should be construed as a contract for employment. These job duties may be subject to change at any time due to reasonable accommodation or other reasons. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time.
Worksite address
dade city, FL, 33525, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.