Commercial Lender

Park National Bank; Memphis (TN); On-site; USD 90,000 - 130,000; Full time

Job summary

Park National Bank in Memphis, TN seeks a Commercial Lender I–III based on experience to identify business leads, interview applicants, and structure loans within policy. The role includes managing portfolios, coordinating with Credit Analysts, and ensuring compliance with risk management standards.

The position is full-time, on-site, with typical office hours Monday–Friday. Travel to customers is expected; the employer promotes equal opportunity employment.

Qualifications

• HS Diploma or GED required.
• Bachelor’s degree preferred.
• Minimum 5 years commercial lending experience required.

Responsibilities

• Identify business leads and cross-selling opportunities.
• Meet with applicants to review loan requests and options.
• Prepare loan submissions for loan approval.
• Structure loans within policy.
• Identify problems with credit information and coordinate resolutions.
• Prepare loan proposals for approval.
• Review loan documents for accuracy and consistency with approval.
• Monitor construction loans and related documentation.
• Manage loan portfolio including renewals, modifications, tracking and collections.
• Handle complex loan requests or escalate as needed.
• Support risk management and compliance requirements.
• Deliver high-level service per Service Excellence standards.
• Other duties as assigned.

Skills

Interpersonal/Customer Service

Written & Verbal Communication

Adaptability to change

Organizational Skills/Detail Oriented

Analytical Thinking

Multi-Tasking

Problem/Situation Analysis

Leadership/Management Skills

Teamwork/Collaboration

Relationship Building

Education

HS Diploma or GED

Bachelor’s degree or equivalent experience

Minimum 5 years commercial lending experience

Job description

If you are a job seeker with a disability and require a reasonable accommodation to apply for one of our jobs, you will find the contact information to request the appropriate accommodation by visiting the following our Accessibility Accomodation for Applicants page.

Locations

Showing 1 location

Memphis, TN 38112, USA

• On-site
• Commercial
• Full-Time
• Requisition #: COMME007019

Description

*** Could be a Commercial Lender I, Commercial Lender II, or Commercial Lender III, based on experience***

RESPONSIBILITIES

• Identify business leads and prospects for future opportunities, including providing general Bank information and cross selling services
• Meet with and interview applicants to review and evaluate loan requests, including loan alternatives, credit criteria, interest rates, and necessary loan documentation
• Prepare, or assist in preparing with Credit Analysts, written submission for consideration by the appropriate loan approval authority
• Structure loans within loan policy
• Identify problems or potential problems with credit information and coordinate with the necessary party to resolve the problems
• Prepare loan proposals consistent with the loan approval for presentation to applicants
• Review loan documents and related closing documentation for accuracy and consistency with approval
• Monitor construction loans including budgets, loan advances, conducting property inspections and all related documentation required by loan policy
• Manage loan portfolio including renewals, modifications, covenant tracking, financial statement collection, collections, and general portfolio monitoring
• Handle more complex loan requests, issues and problems, and refer only the most complex to Commercial Lender III or Commercial Lending Manager
• Participate in identifying, measuring, monitoring, controlling and mitigating departmental and enterprise-wide risks
• Maintain awareness of and adherence to Bank’s compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks
• Deliver a consistent, high level of service within our Service Excellence standards
• Other duties as assigned

COMPETENCIES

• Interpersonal/Customer Service Skills
• Written and Verbal Communication
• Ability to understand and follow directions
• Adaptable to change
• Basic Computer Skills
• Organizational Skills/Detail Oriented
• Analytical Thinking
• Able to Multi-Task or Juggle Priorities
• Problem/Situation Analysis
• Technical Expertise
• Strategic Planning and Decision Making
• Creativity
• Competency
• Leadership/Management Skills
• Ability to influence others
• Ability to build collaborative relationships
• Ability to develop or mentor others
• Ability to work as part of a team

EDUCATION - CERTIFICATIONS - WORK EXPERIENCE

At a minimum, employees must obtain a HS Diploma or GED

Bachelor’s degree or equivalent experience as a commercial sales officer preferred

Minimum of 5 years commercial lending experience required

SCHEDULE

Typical office hours are Monday through Friday 8am to 5pm.This position is exempt and full-time. A minimum 40 hours is required per week.

PHYSICAL REQUIREMENTS

This position must be able to remain in a stationary position a maximum of 50% of the time, constantly operate a computer up to 50% of the time and be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information.

TRAVEL REQUIREMENTS

Travel to customers and prospects is expected

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.