Job Summary:

Responsible for business development, origination, underwriting and closing secured and unsecured commercial loans. Establish and maintain positive relationships with existing and potential business customers, government agencies and other financial institution personnel.

Essential Duties and Responsibilities:

• Review and evaluate customer applications for lines of credit or lines of credit extensions; authorize or recommend the approval of applications in accordance with established guidelines and policies. Make use of available government programs when applicant's profile or needs meet the governmental program criteria.
• Receive and screen loan applications; request credit status, banking and other references, conduct on-site inspections, and order appraisals; correspond with or interview applicant or creditors to resolve questions regarding the application; analyze applicant's financial status, credit and property evaluation to determine feasibility of granting loan request; approve loan within specified limits; refer larger loan requests to loan committee for approval; communicate loan decision to applicants, including rationale for decisions, and assures necessary supporting documents are prepared.
• Direct and participate in the closing of approved commercial loan agreements; ensure that all required closing documents are prepared and processed.
• Maintain an active calling program on an existing portfolio of customers providing all necessary banking services including loans, deposits, cash management and investments services as needed by the customer
• Monitor and review assigned commercial loans on a regular and continuing basis; identify problem or delinquent loan accounts or those having an adverse impact on bank profitability; initiate appropriate corrective actions on delinquent accounts on a timely basis; complete criticized asset action plan form; refer problem accounts to superior or special account manager as required or needed.
• Monitor and review commercial past due loans assigned, identify problem or delinquent accounts; initiate timely appropriate corrective actions on delinquent accounts, not limited to but including legal action.
• Identify and manage call referrals/joint calls within the bank for other bank-related services for cross selling opportunities.