Commercial Loan agent I

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Commercial Loan agent I

Title: Commercial Loan agent

Department: Loan Department

FLSA Status: Exempt

Reports to: Team Leader

Date: March 30, 2022

income Range: $94,000 - $117,000

Note:
The income range offered for this job offer is a good faith description of the expected income range this function will pay. Orange Bank and Trust reserves the right to pay more or less than the stated range located on a variety of factors such as practice, geography, etc.



General Summary: Develop, originate, manage and underwrite commercial & industrial loans & commercial real estate loans in excess of $500,000.00 which meets established lending requirements and provide maximum profitcapability to the Bank with a minimum of risk.

ESSENTIAL tasks AND JOB RESPONSIBILITIES:

»Interview loan candidates and collects and analyzes financial data to determine the general creditworthiness and appropriateness of the loan request.

»Establish and negotiate the terms under which credit will be extended including loan pricing, structure, repayments terms and collateral requirements that are consistent with the Bank’s policies.

»Meet established loan production goals as well as deposit and fee earnings goals.

»Participate in community activities to increase the Bank’s visibility and to enhance new business opportunities.

»Develop analysis and Credit Memorandums for presentation and approval of loan requests.

»Monitor loan portfolio for repayments, and take necessary actions for the collection of past due accounts, as well as the annual collection of financial information and annual reviews.

»Periodically visit with Borrowers, performing site visits and to promote good customer relations.

»Participate in sales meetings and blitzes.

»Cross sell Bank products and services.

EDUCATION, CERTIFICATION, practice:

» Bachelor’s Degree in Business/Economics/Accounting of finance or equivalent work practice.

» 3-5 years of Commercial Lending practice required.

KNOWLEDGE, expertise, ABILITIES : &nb sp; & nbsp; &nbsp ;

»Accounting and financial expertise

»Strong analytical expertise

»Strong banking and legal knowledge

»Advanced knowledge of commercial loan documentation

»Strong personal computer expertise

»Strong interpersonal expertise

WORK ENVIRONMENT :

»Non-confined office type setting in which he or she is free to move about at will. The position includes driving a bank or personal owned vehicle approximately 50-75% of the time which I includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances

PHYSICAL DEMANDS :

» The capability to lift 25 pounds.

Special Note:
External and internal candidates, as well as position incumbents, must be able to execute the essential job functions as set forth above. Orange Bank and Trust Company is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of age, sex, sexual orientation, race, color, creed, religion, ethnicity, national origin, alienage or citizenship, discapability, marital status, military or veteran status or any other legally-recognized protected basis under federal, state or local laws, regulations or ordinances.
Upon request, individuals with disabilities may be entitled to a reasonable accommodation. A reasonable accommodation is a change in the way things are normally done that will ensure an equal employment opportunity without imposing an undue hardship on the bank. Please inform the Human Resources Department if you need assistance completing any forms or to otherwise participate in the application process or, at the appropriate time, to execute the essential functions of the job.
This job description in no way states or implies that these are the only tasks to be performed by an employee. Additional functions and requirements may be assigned by managers as deemed appropriate, located on the employee’s knowledge, skill and capability as well as his/her mental and physical abilities.