Commercial Lender

Wellworth Bank; Shelbyville (TN); On-site; USD 65,000 - 105,000; Full time

Job summary

Wellworth Bank is seeking a Commercial Loan Officer in Shelbyville, TN to develop new business and manage client relationships. You will underwrite, structure, and close commercial loans in line with bank policies and philosophies as a trusted advisor to clients.

The ideal candidate has 3–5 years of commercial banking experience, strong credit underwriting knowledge, and the ability to grow a client base while ensuring compliance with lending regulations; MS Office proficiency is required.

Qualifications

• Bachelor’s degree in business, finance or related area (preferred).
• Three to five years’ experience in a commercial banking position.
• Extensive experience in business and client development.
• Commercial credit underwriting knowledge.
• Extensive knowledge of commercial lending policies and procedures.
• Above average sales, organizational and interpersonal skills.
• Ability to read and comprehend training materials, bank communications and loan manuals.
• Ability to learn and follow bank policies.
• Good computer skills including Word, Excel, Outlook.

Responsibilities

• Develops new customer prospects and business for the financial institution.
• Analyzes the credit history of applicants and determines loan repayment capabilities.
• Negotiates credit terms, loan repayment methods and collateral specifications.
• Evaluates loan requests based on bank policies and makes loan recommendations to management.
• Reviews new laws and regulations that influence business lending and makes recommendations to management.
• Handles inquiries from applicants and branch personnel; may assist in resolution of customer issues.
• Meets performance/production goals determined by management.
• Represents the financial institution in public relations activities and community affairs.
• Performs other duties assigned by Market President, Regional President and other executives.

Skills

Credit underwriting

Commercial lending

Client development

Sales skills

Interpersonal skills

MS Office

Education

Bachelor’s degree in business/finance or related area

Tools

Microsoft Word

Microsoft Excel

Microsoft Outlook

Job description

SUMMARY AND JOB DESCRIPTIONThis Commercial Loan Officer position is responsible for providing a full range of commercial banking services including developing new business and client relationships. As a trusted advisor, this experienced loan officer should have knowledge of underwriting, structuring, and closing commercial loans in accordance with the Bank’s lending policies and philosophies.ESSENTIAL FUNCTIONSThis position performs the following duties, including but not limited to:Develops new customer prospects and business for the financial institution.Analyzes the credit history of applicants and determines their loan repayment capabilities.Negotiates credit terms, loan repayment methods and collateral specifications.Evaluates loan requests based on bank policies and makes loan recommendations to management.Reviews new laws and regulations that influence business lending within the financial institution and makes recommendations to management when necessary.Handles inquiries from applicants and branch personnel. May assist in resolution of customer issues.Meets performance/production goals determined by management.Represents the financial institution in public relations activities and community affairs.Performs other duties assigned by Market President, Regional President and other executive management.MINIMUM REQUIREMENTSBachelor’s degree in business, finance or related area, preferred but not required.Three to five years’ experience in a commercial banking position.Extensive experience in business and client development.Commercial credit underwriting knowledge.Extensive knowledge of commercial lending policies and procedures.Above average sales, organizational and interpersonal skills.Ability to read and comprehend training materials, bank communications and related loan manuals.Ability to learn and follow all bank policies.Good computer skills including Microsoft Word, Excel, Outlook and other common PC-based software.Wellworth Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of otherwise qualified disabled applicants and employees. Please contact the bank’s Human Resources Director should you have questions about this policy or these job duties.