Commercial Lender- Dayton

Park National Corporation; Springfield (OH); On-site; USD 65,000 - 95,000; Full time

Job summary

Park National Corporation seeks a Commercial Lender I/II/III to identify business opportunities, interview applicants, and structure loans within policy. The role includes monitoring construction loans, maintaining loan documents, and managing a growing loan portfolio.

Candidates should have strong communication skills, attention to detail, and at least five years in commercial lending. The position requires a HS diploma; a Bachelor's degree is preferred.

Qualifications

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

Responsibilities

• Identify business leads and prospects and cross-sell bank services.
• Interview applicants to review loan requests, including documentation and credit criteria.
• Prepare loan submissions for loan approval authorities.
• Structure loans within policy and monitor related documentation.
• Review and ensure accuracy of loan documents and closing files.
• Monitor construction loans, budgets, advances, and property inspections.
• Manage loan portfolio including renewals, modifications, covenant tracking, and collections.
• Handle complex loan requests and escalate to higher authority as needed.
• Support risk management, compliance, and service excellence standards.

Skills

Interpersonal/Customer Service Skills

Written and Verbal Communication

Adaptable to change

Organizational Skills/Detail Oriented

Analytical Thinking

Ability to Multi-Task

Problem/Situation Analysis

Ability to build collaborative rels

Ability to mentor others

Education

HS Diploma or GED

Bachelor's degree or equivalent experience

Tools

Basic Computer Skills

Job 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

Qualifications

Education

High School (required)

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.