Commercial Banking Officer
BANK'34, Las Cruces, NM, United States
Southwest Heritage Bank, formerly Bank 34 and Commerce Bank of Arizona, is committed to providing our employees with a competitive, comprehensive benefits program that provides the care you and your family need to lead healthy, productive lives.
The Commercial Banking Officer will develop and service a variety of commercial loans. Loan types will include large and complex real estate loans for both owner-occupied and non-owner-occupied properties. This could also include investment properties, development properties, construction projects, loans with government backing for SBA 7(a) and SBA 504, and loans for business acquisition and lines of credit. The Commercial Banking Officer will be responsible for evaluating loan applicants for credit worthiness and will work with the commercial lending team to process originations and manage the existing portfolio. The position serves as the primary point of contact between the borrower and the Bank. This position must also maintain knowledge of Bank's deposit treasury management, and merchant/banking card products to enhance customer relationships.
Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.
Minimum Requirements
Education & Experience
Minimum of 5 years relevant commercial lending and/or commercial loan underwriting experience preferred. Bachelor's degree in business/finance and 5+ years of experience in commercial lending, commercial real estate lending or commercial loan underwriting. MBA degree preferred. Knowledge & Communications Skills
Strong knowledge of construction and real estate lending practices and principles. Must demonstrate attention to detail, responding promptly to customer needs for service and assistance; demonstrate accuracy and thoroughness, self-monitoring of work to ensure quality, following prescribed policies and procedures, uses time efficiently, prioritizes and completes work in a timely manner. Show understanding of accounting and finance terms, ratios and analysis used for risk management and repayment assessment. Know how to identify and quantify secondary and tertiary sources of repayment. Communications and interpersonal skills are key to service; must be able to read and interpret written information, listen, and obtain clarification to properly service customers. Proactive information gathering is a must. Strong presentation skills when recommending credit decisions to Executive Management and Board of Directors. Analytical & Decision-Making Skills
Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations. Effective organizational and time management skills. Ability to work with general supervision while performing duties. Computer/Software/Other Equipment Skills
Basic knowledge of Office365, including Word, Excel, PowerPoint, and Outlook. Ability to operate standard office equipment such as PC, printer, fax/copier, and telephone. Current driver's license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities. Benefits
401k with employer match Medical Insurance Dental Insurance Vision Insurance Paid time off Paid Holidays Life Insurance Short Term Insurance Long Term Insurance
Southwest Heritage Bank is an Equal Opportunity Employer.
The Commercial Banking Officer will develop and service a variety of commercial loans. Loan types will include large and complex real estate loans for both owner-occupied and non-owner-occupied properties. This could also include investment properties, development properties, construction projects, loans with government backing for SBA 7(a) and SBA 504, and loans for business acquisition and lines of credit. The Commercial Banking Officer will be responsible for evaluating loan applicants for credit worthiness and will work with the commercial lending team to process originations and manage the existing portfolio. The position serves as the primary point of contact between the borrower and the Bank. This position must also maintain knowledge of Bank's deposit treasury management, and merchant/banking card products to enhance customer relationships.
Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.
Minimum Requirements
Education & Experience
Minimum of 5 years relevant commercial lending and/or commercial loan underwriting experience preferred. Bachelor's degree in business/finance and 5+ years of experience in commercial lending, commercial real estate lending or commercial loan underwriting. MBA degree preferred. Knowledge & Communications Skills
Strong knowledge of construction and real estate lending practices and principles. Must demonstrate attention to detail, responding promptly to customer needs for service and assistance; demonstrate accuracy and thoroughness, self-monitoring of work to ensure quality, following prescribed policies and procedures, uses time efficiently, prioritizes and completes work in a timely manner. Show understanding of accounting and finance terms, ratios and analysis used for risk management and repayment assessment. Know how to identify and quantify secondary and tertiary sources of repayment. Communications and interpersonal skills are key to service; must be able to read and interpret written information, listen, and obtain clarification to properly service customers. Proactive information gathering is a must. Strong presentation skills when recommending credit decisions to Executive Management and Board of Directors. Analytical & Decision-Making Skills
Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations. Effective organizational and time management skills. Ability to work with general supervision while performing duties. Computer/Software/Other Equipment Skills
Basic knowledge of Office365, including Word, Excel, PowerPoint, and Outlook. Ability to operate standard office equipment such as PC, printer, fax/copier, and telephone. Current driver's license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities. Benefits
401k with employer match Medical Insurance Dental Insurance Vision Insurance Paid time off Paid Holidays Life Insurance Short Term Insurance Long Term Insurance
Southwest Heritage Bank is an Equal Opportunity Employer.