Commercial Loan Officer

About this role

• Description: To process and underwrite member business loan applications, and make recommendations for approval or denial according to established loan policy; to develop member business loans and member business accounts through outside sales; and to provide ongoing analysis of existing member business loans and to make recommendations for action as needed.
• Requirements: **Experience:** Three years to five years of similar or related experience.
• **Education:** (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g.
• information technology certifications in lieu of a degree).
• **Interpersonal Skills:** Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation.
• Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
• **Other Skills:** Understanding of loan products, polices, regulations, loan underwriting concepts and lending risks are required, including understanding and working knowledge of the following: * Personal financial statements, Cash flows, financial spreads * Business entity types * Commercial loan forms including notes, titles, UCC forms, liens and lien perfection.
• * Knowledge of construction and development loans, and associated processes

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