Commercial Lender

Stride Bank Na; Woodward (OK); Vor Ort; USD 80.000 - 110.000; Vollzeit

Zusammenfassung

Stride Bank Na in Woodward, OK is seeking a Commercial Lender I to grow and manage a portfolio of commercial banking clients. You will assess borrower needs, structure credit facilities, and present well-supported credit recommendations to the loan committee.

The role emphasizes cross-selling treasury and wealth management solutions, adherence to bank policies, and timely credit file maintenance while achieving individual performance goals in a collaborative team environment.

Qualifikationen

• Knowledge of commercial banking and ability to analyze financial information.
• Ability to exercise sound judgement when establishing and maintaining relationships.
• Ability to read, analyze, and interpret policies, contracts, and credit and financial documents.

Aufgaben

• Structures and negotiates terms for commercial credit facilities, evaluating pricing, risk, profitability, repayment structure, and collateral requirements.
• Reviews and analyzes complex financial information to assess borrower creditworthiness and repayment capacity.
• Prepares and presents credit recommendations to the loan committee with thorough justification.
• Manages profitability and performance of commercial relationships within the portfolio.
• Monitors repayment performance and addresses past-due accounts and deficiencies promptly.
• Maintains complete and accurate credit files for audits and compliance.

Kenntnisse

Commercial banking knowledge

Financial analysis

Judgement and relationship building

Ausbildung

Bachelor’s degree in Business/Finance

Jobbeschreibung

The Commercial Lender develops, expands, and retains profitable commercial banking relationships through a disciplined, client-centered business development approach. This position identifies client needs and connects clients with appropriate solutions across the Bank’s lines of business. Success is measured by net loan and deposit growth, fee income, qualified referrals, effective portfolio management, and sustained asset quality. The Commercial Lender I is expected to manage a portfolio of up to $10 million.PRINCIPAL DUTIES AND RESPONSIBILITIESStructures and negotiates terms for commercial credit facilities, evaluating pricing, risk, profitability, repayment structure, and collateral requirements.Reviews and analyzes complex financial information to assess borrower creditworthiness and repayment capacity.Prepares and presents well-supported credit recommendations to the loan committee, demonstrating a thorough understanding of each proposed credit.Manages the profitability and overall performance of commercial relationships within the assigned portfolio.Monitors repayment performance, manages past-due accounts, and addresses credit or collateral deficiencies in a timely manner.Maintains complete and accurate credit files in accordance with loan policies and procedures to support satisfactory internal and external audit reviews.Proactively identifies opportunities to cross-sell Bank products and services, including commercial banking, treasury management, and wealth management solutions, to deepen client relationships.Establishes and achieves individual performance goals while collaborating effectively to support departmental and Bank-wide objectives.Ensures departmental documentation and activities comply with all applicable laws, regulations, policies, and procedures, including the timely completion of required compliance training.Performs additional duties and responsibilities as assigned.EDUCATION AND/OR EXPERIENCEBachelor’s degree in Business, Finance, or related field, preferred.1-3 years’ experience in commerical lending role, required.Prior experience in lending and/or credit, preferred.KNOWLEDGE, SKILLS, AND ABILITIESKnowledge of commercial banking and ability to analyze financial information.Ability to exercise sound judgement when establishing and maintaining relationships.Ability to read, analyze, and interpret policies, contracts, and credit and financial documents.