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Job: Commercial Lender – VP

Title Commercial Lender – VP
Categories Commercial Banking
Salary 100K-110K
Location Worthington, Ohio
Job Information

Title:  Commercial Loan Officer

Reports To:

Chief Lending Officer

Summary: Interviews commercial loan applicants and makes credit decisions within established guidelines. Processes loan applications, prepares appropriate documentation; generates new business while maintaining customer relationships; manages a portfolio of commercial loans; and may coordinate some collection efforts.

Essential Duties and Responsibilities:

  • Monitors loan policy compliance.
  • Reviews new note audit report and loan input sheets to CIS file maintenance report for accuracy.
  • Reviews credit files on new loans for proper documentation.
  • Review analysis of activities. Costs, operation, and forecast date to determine department or division progress toward stated goals and objectives.
  • Travel to various customer locations to interview applicants and request specific information for loan application, financial statements, credit reports, and tax returns.
  • Spend most of the time meeting with customers and prospective customers at the customers’ location.
  • Analyze the financial status of the customer.
  • Analyze the applicant’s assets and liabilities to determine feasibility of granting secured or unsecured loan.
  • Approve loan within certain limits or discuss with Chief Lending Officer for approval.
  • Ensure loan agreements are complete and accurate according to policy.
  • Collect past due accounts through phone calls, sending correspondence, or personal visit.
  • Other duties as assigned.

Knowledge, Skills, and Abilities:

  • Ability to work well under pressure.
  • Strong communication skills, including the ability to read, write, and speak English.
  • Analytical Skills.
  • Ability to work independently in making business development calls.
  • Incentive pay is 15bp’s to 25bp’s depending on production.

Education and Experience:

  • Bachelor’s Degree in Business Administration or related field; three-five years related experience and/or training; or equivalent combination of education and experience.
  • Minimum of two years of credit analysis, credit review process, or commercial lending experience.
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