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Title: Commercial Lender
Salary: $75,000 - $120,000 / year
Position: Direct Hire
A commercial bank in Norman, OK is seeking a Commercial Lender to join their team. This person will be responsible for developing new business, underwriting, structuring and closing of commercial loans while maintaining and servicing an existing portfolio.
What’s in it for you? The opportunity to work with a local community bank that places priority on relationship banking and creating a financial strategy with local businesses to fulfill the customers’ goals and objectives.
As a Commercial Lender a typical day for you might include the following:
• Gains complete knowledge of business and personal financial needs of 100% of assigned commercial clients
• Conducts 5-10 client/prospect outside visits per week
• Builds knowledge of all clients and prospects by completing an in-depth profiling of commercial business owners and other principals
• Understands the needs of their customers, recommends the appropriate product, service, or solution
• Work closely with the Treasury Services Department to ensure that commercial clients/prospects needs are properly matched with the appropriate depository, cash management and investments
• Ensures customer services needs of the commercial client are met by handling requests directly and/or referring to the appropriate channel to best meet the customer needs
• Proactively solicit new commercial business relationships through the cultivation of key referral sources
• Collects and analyzes financial and related data to determine the general creditworthiness of commercial clients/prospects and the merits of specific credit requests
• Develop information for and make loan presentations to the loan committee when required
• Establish and negotiate, when necessary, terms for credit extension
• Monitor loan repayment activities and take necessary action to collect from past due accounts
• Participate in community affairs to increase the bank’s visibility and enhance new business opportunities
• Supervise and direct Loan Assistants and Portfolio Managers
This job might be for you if:
• You have a college degree in related field (Finance, Accounting, Economics)
• A minimum of three years of relationship management experience (preferably to commercial or small business clients)
• A minimum of 5 years of credit experience as gained through credit analyst, loan portfolio management, loan review and equivalent positions, with proven ability to understand and analyze financial statements, tax returns and other financial documents and to make sound credit decisions
• A minimum of 3 years of banking experience with a general knowledge of bank operations and specific knowledge of Treasury Management, depository and other products typically utilized by a commercial client
• Excellent communication skills, including the ability to listen attentively and intuitively, with high comprehension and effectively convey a response that promotes a positive impression
• Strong business development and people skills to market the bank and oneself in all situations, whether during or after business hours. This includes being able to identify banking opportunities, and if necessary, refer the client to the appropriate person
• Excellent time management and organizational skills and the ability to work independently with little supervision
• Ability to make sound decisions of all types, with little hesitation and after thorough consideration of relevant data
• Ability to interpret financial information and data, evaluate character and capabilities of the client, and determine the value of collateral offered
While performing the duties of this job:
You may be constantly required to sit and use hands to operate telephone, type and operate computer and mouse. You also may occasionally lift and/or move up to 10 pounds and rarely lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and distance vision.
To be a ProRecruiters candidate you will:
• Have your Resumes .doc format – pdf and txt versions will not be accepted, and your resume must clearly reflect your skills and be free of any spelling errors or punctuation errors.
• Have an Associate’s Degree OR at least 3 years of professionally related work experience with a work history that does not include a string of employment. A string is considered to be multiple consecutive employers where the tenure was for a year or less.
• Have business professional experience since we do not handle any industrial or general labor positions.
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We are proud to be an equal opportunity employer.
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