Commercial Banker/Lender

Personnel Resources, Inc.; Dothan (AL); On-site; USD 65,000 - 90,000; Full time

Job summary

Personnel Resources, Inc. is seeking an experienced Business Lending Officer to develop new and existing business relationships and deliver exceptional service to business members.

You will manage lending relationships from application through servicing while helping grow commercial loans, deposits, and membership. The ideal candidate will have an Associate degree and at least 5 years of lending experience, with strong financial analysis and communication skills.

Qualifications

• Strong financial analysis and credit evaluation skills.
• Excellent communication and relationship-building abilities.
• Knowledge of lending regulations and compliance requirements.
• Proficient in financial calculators and standard software.

Responsibilities

• Develop new business relationships and strengthen existing member relationships.
• Meet with business loan applicants, explain lending requirements, and collect documentation.
• Analyze financial statements, credit information, collateral, and other data to evaluate creditworthiness.
• Monitor construction loans, conduct property inspections, and review loan advances as needed.
• Manage loan portfolios, including annual reviews, maturities, participations, delinquent accounts, and workouts.
• Build referral relationships with local businesses and community professionals.
• Maintain accurate documentation and timely communication with members, prospects, and internal departments.
• Stay current on commercial lending practices, regulations, and compliance requirements.

Skills

Financial analysis

Credit evaluation

Decision-making

Communication

Relationship-building

Negotiation

Commercial lending knowledge

Education

Associate degree in Business or related field

Job description

We are seeking an experienced Business Lending Officer to develop new and existing business relationships and provide exceptional service to business members. This position will manage business lending relationships from application through servicing while helping grow commercial loans, deposits, and membership.

Key Responsibilities

• Develop new business relationships and strengthen existing member relationships.
• Meet with business loan applicants, explain lending requirements, and collect necessary documentation.
• Analyze financial statements, credit information, collateral, and other data to evaluate creditworthiness.
• Monitor construction loans, conduct property inspections, and review loan advances as needed.
• Manage loan portfolios, including annual reviews, maturities, participations, delinquent accounts, and workout situations.
• Build referral relationships with local businesses and community professionals.
• Maintain accurate documentation and timely communication with members, prospects, and internal departments.
• Stay current on commercial lending practices, regulations, and compliance requirements.

Qualifications

• Associate degree in Business or a related field, or equivalent education and experience.
• Minimum 5 years of lending experience; commercial lending experience preferred.
• Real estate lending and loan origination experience preferred.
• Strong financial analysis, credit evaluation, and decision-making skills.
• Excellent communication, relationship-building, interviewing, and negotiation skills.
• Knowledge of commercial lending, collections, lending regulations, and compliance requirements.
• Proficiency with financial calculators and standard computer applications.
• Valid driver's license.

Ideal Candidate

The ideal candidate is a motivated relationship-builder with strong analytical skills who can identify business opportunities, evaluate credit risk, and provide professional, responsive service to business members.

Salary is based on experience. Personnel Resources is an Equal Opportunity Employer. #DP1