Commercial Lender

Park National Corporation; Memphis (TN); On-site; USD 85,000 - 110,000; Full time

Job summary

Park National Corporation in Memphis, TN seeks an experienced Commercial Lender I–III to identify business leads, interview applicants, and structure loans within policy. The role involves reviewing credit criteria, preparing submissions for loan approval, and managing a diverse loan portfolio with attention to risk and compliance.

The position requires at least 5 years of commercial lending experience, a HS Diploma or GED, and is typically full-time with standard business hours.

Qualifications

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

Responsibilities

• Identify business leads and cross-sell services
• Meet with applicants to review loan requests and criteria
• Prepare loan submissions for approval
• Structure loans within policy
• Review loan documents for accuracy
• Monitor construction loans and related documentation
• Manage loan portfolio including renewals and collections
• Handle complex loan requests and escalate as needed
• Ensure risk management and compliance adherence
• Deliver high level of service per Service Excellence standards

Skills

Interpersonal skills

Written communication

Analytical thinking

Leadership

Teamwork

Problem solving

Adaptability

Detail oriented

Risk awareness

Time management

Education

HS Diploma or GED

Bachelor’s degree preferred

Job description

Description

*Not available for sponsorship*

*** 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.