Sound Community Bank: Commercial Loan Officer II. Will need to have a general comprehension of Bank operations and compliance that is regulatory like the Bank Secrecy Act.

Sound Community Bank: Commercial Loan Officer II. Will need to have a general comprehension of Bank operations and compliance that is regulatory like the Bank Secrecy Act.

Commercial Loan Officer II

PLACE DEFINITION The Commercial Loan Officer II accounts for supplying expert commercial financing solutions to current and potential bank consumers. The Commercial Loan Officer II is anticipated to produce their specific manufacturing and consumer calling objectives and precisely handle their assigned loan profile.

PLACE QUALIFICATIONS Bachelors’ degree preferred, plus no less than 3 – 5 years of progressively responsible Commercial Lending experience. Trustworthiness and sensitiveness are crucial. Experience competencies needed consist of, but they are not restricted to: ? capability to underwrite credit needs, determine appropriate loan framework and current proposed loan demands for approval ? Prepare expert Credit Write- Ups for review by Commercial Team Lead, Credit management and Loan Committee for approval ? capacity to assess and grade credit risk, financial obligation solution capability and ratio analysis ? Good knowledge of monetary statements including balance sheets, earnings statements and declaration of cash flows ? exemplary relationship building and social skills ? Strong client focus ? Strong organizational and multi-tasking abilities in a fast-paced environment ? exemplary verbal and written interaction abilities ? exemplary proofreading abilities with a stronger awareness of detail ? capability to work both individually and also as a team player ? Practice perfect ethical behavior and knows the necessity for privacy ? i . t knowledge is a plus. ? should have legitimate driver’s permit and use of a vehicle that is insured

Will need to have a broad knowledge of Bank operations and regulatory conformity, like the Bank Secrecy Act.

RELATIONSHIPS AND CONNECTIONS Within Bank Commercial Loan Officer II will be able to work closely utilizing the Commercial Team Lead and Commercial Banking Manager to handle lending that is existing and develop new customer relationships to attract future lending possibilities for the bank. The Commercial Loan Officer II will continue to work closely using the Bank’s Credit Analysts to help in analysis of credit demands and planning of Credit Write ups.

Outside Bank Position keeps regular and close working relationship with a selection of facilities of impact, community leaders and company specialists.


Responsibility # 1 Loan Production and Upkeep

Originate, underwrite, and solution a profile of commercial banking relationships and cross-sells other banking solutions whenever appropriate

Monitor loan that is existing to keep up a top quality asset base and help out with number of overdue loans

Negotiate renewals of credit facilities. Suggest approval of loan re payments, construction draw requests, draws from personal lines of credit and funds transfers with specified limitations

Responsibility # 2 Credit and Borrower Review

Screen potential commercial borrowers by analyzing their business strategy, methods, and projections, along with, historical monetary statements and company outcomes

Talk with current clients and leads through different techniques to talk about company needs and suggest ways that the lender can offer solutions

Utilize Credit Analysts to accurately review potential debtor requests and coordinate processing of approved loans

Test economic loan covenants and prepare yearly term loan reviews

Ensure all loan papers are correct, finalized and recorded/perfected.

Ensure all supporting paperwork is complete and signed whenever necessary.

Responsibility # 3 Start Up Business Developing / Community Outreach

take part in company development tasks and solicit brand new good quality loan and deposit company to attain volume and/or manufacturing objective

Represent SCB at different community functions and groups that are professional/civic further enhance the Bank’s image and exposure

Responsibility # 4 Continuing Education

Update work knowledge by taking part in academic possibilities, keeping networks that are personal taking part in expert businesses.

Sound Community Bank is an opportunity that is equal and all qualified candidates will get consideration for work without reference to battle, color, faith, intercourse, nationwide beginning, intimate orientation, sex identification, impairment status, protected veteran status, or other characteristic protected for legal reasons.

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