Sr. Commercial Lending Officer
Central Bank, Saint Louis, MO, United States
Position Summary
Solicits, develops, and manages credit relations with individuals and businesses seeking a variety of secured and unsecured loans, including commercial, real estate, and construction. Oversees and manages the commercial loan portfolio. Portfolio consists of more routine commercial loan accounts; makes decisions within prescribed guidelines. May assist a higher level Commercial Lender. Refers more complex loans to Chief Commercial Lender. Responsible for the overall profitability and quality of the loan portfolio. Operates within established lending authority and guidelines; provides optimum profitability balanced with acceptable risk. Ensures adherence to established bank loan procedures, practices and reporting requirements. Creates a teamwork environment to ensure that quality service is provided, and sales/business development goals are met. Conducts relationships and activities consistent with Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable state and federal laws and regulations.
Interview loan applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
Evaluate the financial condition of the client, the value of pledged collateral, and the client’s management effectiveness and competency. Make decisions on loans and terms if within own lending limits. Refer loans over lending authority to Chief Lending Officer or Loan Committee. Ensure optimum profitability balanced with acceptable risk.
Monitor quality of existing accounts by verifying that assigned accounts conform to contract and policy limits.
Ensure that necessary documentation is completed, and request additional data as needed. Recognize unfavorable trends and recommend corrective action. Confer with Chief Lending Officer on difficult or sensitive issues.
Coordinate loan activities with appropriate departments.
Attend monthly Loan Committee meetings.
Responsible for the attainment of loan objectives including origination, outstanding, delinquency, charge-off, fee income, interest income, and return on assets.
Make referrals to other business units for traditional and non-traditional banking products and services.
Under the direction of the Chief Lending Officer, establish daily, weekly, monthly, and quarterly business development, sales, and referral goals. Develop a marketing plan to generate additional new commercial loans. Maintain accountability for sales and service standards and for meeting business development, sales, and referral goals.
Implement tactical plans that focus relationship selling to manage our most profitable customers. Identify opportunities to deepen relationships with customers that offer upside potential and actively sell to this base. Identify unprofitable clients and manage relationships to improve profitability.
Actively call on new and prospective customers, assess needs, cross-sell, and recommend bank products and services aligned with customers’ financial objectives.
Actively profile customers to ensure a strong understanding of their total financial picture.
Maintain thorough knowledge of compliance and regulatory issues relating to loan policy and procedures (e.g., CRA, Fair Lending) and apply them in day-to-day operations.
Provide professional, efficient, and high-quality customer service when resolving difficult customer issues.
Understand and communicate knowledge of Central Bank of St. Louis’ services, operations, and organization; refer inquiries to the proper department or individual.
Attend all required training.
Position Requirements Bachelor’s degree or equivalent combination of education, training, and experience that provides the required knowledge, skills, and abilities.
Typically, more than 10 years of commercial lending experience. Knowledge of current bank lending procedures and policies, lending regulations (state and federal), lien laws, collection/bankruptcy regulations, and loan documentation. Knowledge of commercial lending and real estate including appraisals, deeds, and lien recording. May require knowledge of agricultural business and/or agricultural lending experience.
Ability to analyze financial statements and loan risk.
Good judgment, ability to make decisions within prescribed guidelines, research and solve problems, work independently, handle confidential information, and manage multiple tasks.
Thorough knowledge of bank products and services. Demonstrated skill in soliciting business for bank deposit products and loan services. Ability to identify client needs, present banking solutions, and close opportunities while retaining and growing relationships.
Excellent verbal, listening, and communication skills. Strong customer relations skills and ability to work with diverse teams.
Strong organizational skills and attention to detail. Willingness to represent the bank in the community.
Ability to operate office equipment and interpret varied instructions.
Ability to drive a vehicle and maintain a valid driver’s license and acceptable driving record for insurance purposes.
Seniority level
Mid-Senior level
Employment type
Contract
Job function
Finance and Sales
Location: Edwardsville, IL
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Solicits, develops, and manages credit relations with individuals and businesses seeking a variety of secured and unsecured loans, including commercial, real estate, and construction. Oversees and manages the commercial loan portfolio. Portfolio consists of more routine commercial loan accounts; makes decisions within prescribed guidelines. May assist a higher level Commercial Lender. Refers more complex loans to Chief Commercial Lender. Responsible for the overall profitability and quality of the loan portfolio. Operates within established lending authority and guidelines; provides optimum profitability balanced with acceptable risk. Ensures adherence to established bank loan procedures, practices and reporting requirements. Creates a teamwork environment to ensure that quality service is provided, and sales/business development goals are met. Conducts relationships and activities consistent with Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable state and federal laws and regulations.
Interview loan applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
Evaluate the financial condition of the client, the value of pledged collateral, and the client’s management effectiveness and competency. Make decisions on loans and terms if within own lending limits. Refer loans over lending authority to Chief Lending Officer or Loan Committee. Ensure optimum profitability balanced with acceptable risk.
Monitor quality of existing accounts by verifying that assigned accounts conform to contract and policy limits.
Ensure that necessary documentation is completed, and request additional data as needed. Recognize unfavorable trends and recommend corrective action. Confer with Chief Lending Officer on difficult or sensitive issues.
Coordinate loan activities with appropriate departments.
Attend monthly Loan Committee meetings.
Responsible for the attainment of loan objectives including origination, outstanding, delinquency, charge-off, fee income, interest income, and return on assets.
Make referrals to other business units for traditional and non-traditional banking products and services.
Under the direction of the Chief Lending Officer, establish daily, weekly, monthly, and quarterly business development, sales, and referral goals. Develop a marketing plan to generate additional new commercial loans. Maintain accountability for sales and service standards and for meeting business development, sales, and referral goals.
Implement tactical plans that focus relationship selling to manage our most profitable customers. Identify opportunities to deepen relationships with customers that offer upside potential and actively sell to this base. Identify unprofitable clients and manage relationships to improve profitability.
Actively call on new and prospective customers, assess needs, cross-sell, and recommend bank products and services aligned with customers’ financial objectives.
Actively profile customers to ensure a strong understanding of their total financial picture.
Maintain thorough knowledge of compliance and regulatory issues relating to loan policy and procedures (e.g., CRA, Fair Lending) and apply them in day-to-day operations.
Provide professional, efficient, and high-quality customer service when resolving difficult customer issues.
Understand and communicate knowledge of Central Bank of St. Louis’ services, operations, and organization; refer inquiries to the proper department or individual.
Attend all required training.
Position Requirements Bachelor’s degree or equivalent combination of education, training, and experience that provides the required knowledge, skills, and abilities.
Typically, more than 10 years of commercial lending experience. Knowledge of current bank lending procedures and policies, lending regulations (state and federal), lien laws, collection/bankruptcy regulations, and loan documentation. Knowledge of commercial lending and real estate including appraisals, deeds, and lien recording. May require knowledge of agricultural business and/or agricultural lending experience.
Ability to analyze financial statements and loan risk.
Good judgment, ability to make decisions within prescribed guidelines, research and solve problems, work independently, handle confidential information, and manage multiple tasks.
Thorough knowledge of bank products and services. Demonstrated skill in soliciting business for bank deposit products and loan services. Ability to identify client needs, present banking solutions, and close opportunities while retaining and growing relationships.
Excellent verbal, listening, and communication skills. Strong customer relations skills and ability to work with diverse teams.
Strong organizational skills and attention to detail. Willingness to represent the bank in the community.
Ability to operate office equipment and interpret varied instructions.
Ability to drive a vehicle and maintain a valid driver’s license and acceptable driving record for insurance purposes.
Seniority level
Mid-Senior level
Employment type
Contract
Job function
Finance and Sales
Location: Edwardsville, IL
#J-18808-Ljbffr