We are seeking an experienced Business Lending Officer to develop new and existing business relationships and provide exceptional service to business members. This position will manage business lending relationships from application through servicing while helping grow commercial loans, deposits, and membership.
Key Responsibilities
Develop new business relationships and strengthen existing member relationships.
Meet with business loan applicants, explain lending requirements, and collect necessary documentation.
Analyze financial statements, credit information, collateral, and other data to evaluate creditworthiness.
Monitor construction loans, conduct property inspections, and review loan advances as needed.
Manage loan portfolios, including annual reviews, maturities, participations, delinquent accounts, and workout situations.
Build referral relationships with local businesses and community professionals.
Maintain accurate documentation and timely communication with members, prospects, and internal departments.
Stay current on commercial lending practices, regulations, and compliance requirements.
Qualifications
Associate degree in Business or a related field, or equivalent education and experience.
Minimum 5 years of lending experience; commercial lending experience preferred.
Real estate lending and loan origination experience preferred.
Strong financial analysis, credit evaluation, and decision-making skills.
Excellent communication, relationship-building, interviewing, and negotiation skills.
Knowledge of commercial lending, collections, lending regulations, and compliance requirements.
Proficiency with financial calculators and standard computer applications.
Valid driver's license.
Ideal Candidate
The ideal candidate is a motivated relationship-builder with strong analytical skills who can identify business opportunities, evaluate credit risk, and provide professional, responsive service to business members.
Salary is based on experience.
Personnel Resources is an Equal Opportunity Employer.
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