Relationship Manager 1

Commercial Loan Officer

Makes and services a variety of business loans for commercial customers. Calls on potential and existing customers to develop new business, to increase existing business and to retain current business. Gives financial advice and counsel to current clients and prospective clients on lending, commercial deposits and fee-based services.
Essential Functions

Generally manages units of less than $40 million in outstandings
Originates commercial loans within assigned geographic region
Maintains and services a loan portfolio
Works with centralized credit analyst to monitor creditworthiness of borrowers
Participates with Collection Department on problem loans
Retains, expands and attracts customer base
Works with Branch Managers to develop new business and supports Managers in lending and calling activities
Monitors loan quality and follows up with borrowers on past due loans
Participates in various community-related activities
Assists in recovery efforts and collateral liquidation
Reviews commercial overdrafts daily
Position Requirements

Bachelor's degree, preferably in Banking or Finance
One to three years commercial experience, including commercial loans, credit analysis and loan review
Work is generally performed indoors in environmentally controlled conditions
Typically the employee may sit to perform the work. However, there may be some standing, walking, bending and carrying of light items in the course of the work
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions
Critical Skills / Expertise

Strong client relations skills
Excellent written and oral communication skills
Excellent sales and negotiation skills