The purpose of the position is to evaluate, authorize, or recommend approval of commercial, real estate, or other credit loans. Originate services and manages all types of commercial loan while meeting established loan quality, deposit and income goals.
Originate, review and underwrite commercial loan applications.
Analyze and review credit information to make a general assessment of applicant's credit worthiness and determine if the loan will conform to the bank's lending policy
Exercises due diligence when underwriting loans including assessing risks, real estate analysis, cash flow, profitability
Prepare written summary of loan terms and conditions and a written narrative explaining business background, outlining risk factor and justify assigned risk rating
Improve condition of loan portfolio by working to reduce delinquencies through improved collection and underwriting techniques
Develop and maintain business relationships and referral sources throughout the community
Seeks to expand bank product usage to current customers by cross selling all types of deposit accounts, loan accounts, and services during customer contacts and interviews
Stay abreast of new types of loans and other financial services and products to better meet customer need
Participates in community-oriented and professional organizations to determine the various depository and credit needs of the Bank's market area to support Community Reinvestment Act (CRA) objectives
Update and maintain accurate new business sand renewal files
Respond professionally and accurately to customer inquiries and concerns in a timely manner
Perform other job related duties as assigned
College degree in Business, Finance, Accounting, or related field
2-3 years experience in a credit analysis/underwriting role relative to commercial lending, required
5+ years of proven commercial lending experience required
Solid knowledge of financial lending regulations
Results oriented, sales aptitude with demonstrated ability to achieve organizational and business goals
Computer proficiency with working knowledge of Microsoft Office Suite applications, required
Careful attention to detail and time management
Excellent interpersonal and communication skills
Strong team player
Demonstrate a high level of knowledge of Bank Secrecy Act and OFAC related responsibilities in the performance of daily operations to ensure adherence to bank policies and compliance with all regulatory requirements.
Independent Bank Group, Inc