Senior Commercial Loan Officer (Finance)

Job Description:
Role

Responsible for developing new business and commercial loans, as well as maintaining and servicing a commercial loan portfolio. Counsels and advises customers and potential clients based on knowledge of lending, credit underwriting, and treasury solutions to protect and grow their business. Interviews applicants and assesses loan risks. Structures loan terms and conditions to meet the business needs and the Bank's lending guidelines. Participates in preparing credit presentations, identifying key risk and compensating factors. Makes decisions on loans and terms within established lending limits, or makes recommendations to loan committee. Assists junior lenders in the areas of new business development, loan analysis and servicing. Follows the status of the loan request through the loan process. Works with other Bank departments and assists with supporting the credit department in the development and analysis of financial background data for new or renewed loans. Represents the bank in its market area through active participation in community events.

Essential Duties & Responsibilities

• Identify new prospects and develop new business relationships to generate commercial business opportunities including lending and deposit services, Treasury management products, and other Bank products and services.
• Advise customers and potential clients on the Bank's products and services to make recommendations that will enhance their business.
• Structure loan terms, including loan pricing, required collateral, repayment method, conditions and covenants (if applicable) to meet business needs and mitigate risk according to the Bank's lending guidelines, laws and regulations.
• Obtain and assess financial information, participate in preparing loan proposals, identifying key risk factors and policy exceptions, if any.
• Make decisions on loans and terms within established lending limits, or make recommendations to loan committee.
• Perform due diligence on the lending process from application to closing documentation ensuring documents are prepared in accordance with loan approval requirements.
• Maintain a personal loan portfolio monitoring for conditions that may impact the deterioration of credit quality or borrowing relationships; monitor for established reserve levels on credits; administer collection of past due credits negotiating payment arrangements internally or with Bank Counsel complying with laws and regulations; recommend workout programs for problem loans and recommends changes in risk ratings.
• Stays informed on industry changes and potential impact to personal loan portfolio, along with loan policies, lending procedures and regulations.
• Assist with collection of annual customer financial information, as needed.
• Provide junior officers functional and business relationship guidance.
• Must comply with current applicable laws, regulations and bank policies and procedures. Comply with all safety policies, practices and procedures. Report all unsafe activities to supervisor and/or Human Resources.

Knowledge & Skills
Experience
• Five or more years of commercial lending experience.
• Thorough knowledge of loan policy, credit procedures and credit analysis.
• Experience with various loan types, SBA, CRE, C&I, Credit Lines, Participations, and others with the knowledge to structure loan terms appropriately.
• Knows commercial loan documentation, including security documents (including but not limited to UCC's, Security Agreements, Real Estate Mortgages).
• Understands how to analyze a Real Estate Appraisal and an Evaluation.
• Understands how to analyze an Environmental report.
• Experience with or knowledge of specialized lending - first time business owners, hotels, construction and development, restaurants, retail, non-owner occupied CRE.
• Understands the legal process including bankruptcy, foreclosure, repossession..
• Experience working with regulatory compliance.

Education/Certifications/Licenses
A bachelor's degree is preferred. Completes NMLS registration requirements. A driver's license is required.

Skills
• Effective written and oral communication skills with the ability to write reports, business correspondence, present information and respond to questions from groups of managers, clients, customers and the general public.
• Effective critical thinking skills with the ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.
• Effective customer service skills providing responsive support throughout the relationship.
• Sound judgment and reasoning skills required.
• Effective leadership skills providing ongoing support for other commercial team members and assisting with their personal growth and development.

A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.

Physical Requirements
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, scanner, facsimile, and calculator. Must be able to routinely perform work on a computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management.

Working Conditions
Regular in-office attendance required.

Mental and/or Emotional Requirements
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to complete complex mathematical calculations and spell accurately. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

CapFed® is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.