Job Brief: The full-time position of Commercial Lending Officer examines, evaluates, and authorizes or recommends approval of customer applications for commercial loans.

Essential Functions: 

1. Develops, manages, maintains and grows sound and profitable commercial banking relationships to meet or exceed sales production goals including loans, deposits and fee income.
2. Identifies and structures lending opportunities using SBA 7(a) and 504 programs when appropriate.
3. Develops and maintains a solid presence in the community by frequently attending business development and networking functions outside of the bank to develop strong relationships to drive referrals and deal flow
4. Promotes and cross-sells other establishment products and services as appropriate to customer needs
5. Actively participates in and oversees the credit management process from application through closing and ongoing credit relationship management.
6. Interviews prospective applicants to determine commercial loan and banking solutions and gather pertinent information for loan request.
7. Submits application to credit analyst for verification and recommendation.
8. Identifies and analyzes potential loan markets to develop prospects for commercial loans.
9. Facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
10. Approves loans within specified limits or presents a loan request to the appropriate loan committee for approval.
11. Ensures loan agreements are complete and accurate according to policy.
12. Assures timely loan closing and funding activities.
13. Complies with all regulations and bank-approved policies and procedures.
14. Ensures timely collection of all own-portfolio loans, including pursuing all collection and credit improvement activities on past due and problem loans.
15. Pursues correction of all documentation or other exceptions on all own-portfolio loans.

Experience: 

1. A minimum of ten (10) years’ banking experience, gaining strong marketing skills, the ability to close loans, and proper preparation of loan packages for loan committee and loan funding.
2. Strong, proven loan relationship and credit management skills, including seasoned skills in the active management of problem and workout loans.
3. Advanced computer skills, including the use of MS Excel and MS Word and other software used by the Lending Department.
4. Prior SBA lending experience a plus but not required.

Email updated résumé to annalug@ozona.bank.