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Commercial Loan Officer IV

A Commercial Loan Officer III provides a full range of CRE lending and banking services to commercial customers. This includes determining credit eligibility, preparing loan narratives, ensuring loans meet appropriate criteria, and effectively cross-selling products. This officer would generate $20 to $30mm of new loan outstandings annually and manage a portfolio of loans between $50mm and $100mm.

What You Will Be Doing

Active solicitation of new CRE business and growth of new relationships
Gathering and analyzing CRE due diligence to recommend structure for a credit decision
Preparing loan presentations for Senior Management
Assuming full responsibility for quality, completeness and accuracy of all documentation in the loan portfolio.
Ensuring the CRE loan portfolio is actively managed for covenants, maturities and risk rating recommendations.
Gaining comprehensive knowledge of all bank products in order to cross sell Retail, Treasury Management and Wealth Management.
Contributing to Bank's overall management objectives by participating in leadership meetings and supporting bank goals
Participating in a variety of community-oriented and professional organizations

Bachelor's degree from a four-year college or university in Finance or a related field.
Seven or more years related experience and/or training.
Personal Computer (PC) proficient in Word/Excel required; other Microsoft programs a plus.
Ability to read, analyze and interpret financial reports and legal documents.
Ability to respond to inquiries/requests from clients and/or prospects.
Ability to effectively present information to top management, public groups and/or boards of directors.
Ability to define problems, collect data, establish facts and draw valid conclusions.
Ability to interpret financial data provided.

Required

Preferred

Job Industries

Other

","shortDescription","

Commercial Loan Officer IV

A Commerci...","promoted","title","Sr. Commercial Banking Relationship Manager","duration","","experienceLevel","displayThumbnail","location","locations",[64],"id",["B","2733852920"],"displayHeadline","Work at First Bank","category","Marketing & Communications","displayPublishedAt","8 months ago","displayUrl","/jobs/2733852920-sr-commercial-banking-relationship-manager","shortTitle","shortLocation","Roseville, CA, United States","searchCompanyPath","/jobs?keyword=First+Bank","searchLocationPath","/jobs?location=Roseville%2C+CA%2C+United+States","searchTitlePath","/jobs?keyword=Sr.+Commercial+Banking+Relationship+Manager",{"_65":66,"_67":68,"_69":70,"_71":72,"_73":74},"country","United States","city","Roseville","formatted","Roseville, CA, United States, 95678","state","CA","postal_code","95678",["D",1776124800000],"

The Commercial Loann Officer III Independently handles all relationship types including the most complex loans. This role will specialize in our C&I business primarily.

Responsibilities:

Knowledgeable of all bank products and sells same to customers and prospects, including Cash Management, Trust, Brokerage, Leasing and International Services.

Typical loan portfolio generated and serviced is greater than $20-30 million ($50+ in real estate groups)

Calls on prospective and existing clients to generate loans, deposits, fees and electronic banking services

Analyzes financial statements and business conditions to deduce a credit decision

Interacts with branch personnel to identify prospective business clients and makes joint calls with branch managers or other bank representatives

Prepares loan narratives for presentation to Senior Management

Develops, approves and services all types of secured and unsecured loans

Assumes full responsibility for quality, completeness and accuracy of all loan documentation in the loan portfolio, ensuring that loans meet the criteria.

Ensures that the loan portfolio has a minimum number of loan workouts, watch list credits or maturing loans

Contributes to Bank's overall management objectives by participating in meetings and supporting Bank goals

Utilizes sales and product knowledge to effectively cross-sell products to new or existing customers or to refer new or existing customers to other areas of the bank

Bachelors Degree, required; preference for Finance/Economics or related business field, preferred
A minimum of five plus years' experience in Commercial Lending, preferably in a C&I banking environment
Demonstrated proficiency in Microsoft Office Suite, specifically in Excel
Excellent written and oral communication skills
Strong local community involvement strongly, highly preferred

","

The Commercial Loann Officer III Independently handles all re...","Commercial Banking Relationship Manager III","Full Time",[87],["B","3014511607"],"4 days ago","/jobs/3014511607-commercial-banking-relationship-manager-iii","El Segundo, CA, United States","/jobs?location=El+Segundo%2C+CA%2C+United+States","/jobs?keyword=Commercial+Banking+Relationship+Manager+III",{"_65":66,"_67":88,"_69":89,"_71":72,"_73":90},"El Segundo","El Segundo, CA, United States, 90245","90245",["D",1752969600000],"

CRE Commercial Loan Officer - Lowell