Commercial Lender II

County National Bank; East Lansing (MI); Presencial; USD 110.000 - 150.000; Jornada completa

Descripción de la vacante

County National Bank in East Lansing, MI is hiring an on-site Commercial Lender to develop and manage commercial loan accounts within CNB policy. You will review financial data, set loan terms, and present proposals to the Loan Committee while ensuring profitability and compliance.

The role emphasizes building new business, maintaining client relationships, and collaborating with a team to deliver superior service to local businesses and communities.

Formación

• Bachelor’s degree in Business/Finance is preferred; otherwise, must have a combination of applicable education and experience.
• Three to five years active commercial loan experience with credit analysis skills.
• Knowledge of lending law, government rules and regulations.
• Ability to provide stellar customer service and to train others.

Responsabilidades

• Interviews loan applicants and analyzes financial data to determine creditworthiness.
• Establishes terms under which credit will be extended, including costs, repayment method and collateral.
• Approves loans as per policy and handles loans above the limit.
• Ensures loans to customers are profitable and well-structured.
• Monitors loan repayment and pursues collections on past due accounts.
• Develops new business by contacting prospects and cross-selling bank services.
• Develops loan presentations for the Loan Committee and Board when required.
• Participates in community affairs to increase the bank’s visibility.

Conocimientos

Interpersonal skills

Written communication

Verbal communication

Administrative skills

Confidentiality

Customer service orientation

Team collaboration

Educación

Bachelor’s degree in Business/Finance

Herramientas

MS Word

Excel

Outlook

Descripción del empleo

• Location 3100 West Road,Building 1, Suite 200,East Lansing, MI, 48823,United States
• Employee Type Exempt
• Required Degree 4 Year Degree
• Travel 50%
• Manage Others No

Contact information

• Phone [phone]

Description

County National Bank (CNB) is an independent, locally-owned, community bank that is successful and growing whose mission is to "sustain its deep commitment to the community and its traditions of excellence in all aspects of banking, and provide outstanding client service and solid financial performance."

We invite you to share in our mission and vision as a community banker, making a difference in your community while experiencing excellent benefits and career opportunities.

CNB is looking for a qualified, motivated, and client- and team-focused individual to join our team as an ON-SITE Commercial Lender for our new Loan Production Office in East Lansing, Michigan.

JOB SUMMARY

The Commercial Lender is responsible for developing and managing commercial loan accounts that meet established lending requirements with their loan authority (per the CNB Loan Policy) and provide maximum profitability to the bank with minimum risk.

DUTIES

• Interviews loan applicants and collects and analyzes financial and related data in order to determine the general creditworthiness of the prospect and the merits of the specific loan request.
• Establishes, and negotiates where necessary, the terms under which credit will be extended; including the costs, repayment method and schedule and collateral requirements.
• Approves loans as per the CNB Loan Policy and serves as a contact officer on loans above this limit.
• Ensures that loans to existing and new customers are profitable and well-structured.
• Collects and analyzes information which reflects the current creditworthiness of customers and the current merits of existing loans by information obtained by direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interview, etc.
• Monitors loan repayment activities and takes necessary action to collect from past due accounts; which includes watch list accounts and collection efforts on active charge-off accounts.
• Assists customers, when possible, on business management skills and financial matters.
• Develops new business by contacting prospects and customers; and cross-sells other bank services.
• Serves as a member of various committees; including but not limited to: Loan, Watch, ALCO, Compliance, and/or Marketing.
• Develops material for and makes loan presentations to the Loan Committee and Board when required.
• Participates in community affairs to increase the bank’s visibility and to enhance new business opportunities.
• Serves as a contact officer for non-borrowing accounts and loan customers for matters relating to other bank services.
• Counsels with and assists in the training and development of commercial credit analyst, as needed.
• Undertakes special projects relating to departmental services.
• Closes loans and is responsible for proper documentation.
• Maintains commercial loan files; including required filing.
• Keeps abreast of local and national economic, financial, political and legislative events and climates which could impact bank lending activities.
• Follows up on business manager program and supervises and reports to senior lender on business manager activity.
• Implements new work procedures and systems to accomplish planning and bank development objectives more efficiently, as needed.
• Advises and assists department officers, and staff in their respective functions associated with the areas for which he or she has direct responsibility.
• Maintains extensive contact with customers, the public and the community to enhance the overall marketing effort of the bank.
• Participates with community organizations and in community projects, as needed.
• Maintains and protects confidentiality of customer information.
• Remains current in assigned training and continuing education for designation retention (online, video, in-house emails, telephone seminars, etc.)
• Complies with all regulatory requirements including Bank Secrecy Act and all others specific to their position.
• Performs other various duties as assigned.

Requirements

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

SKILLS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor’s degree in Business/Finance is preferred; otherwise, must have a combination of applicable education and experience.
• Three to five years active commercial loan experience (credit analyst experience) with a sound understanding of basic credit, lending, and loan administration skills; and the ability to teach these skills to others.
• Knowledge of lending law, government rules and regulations, loan documentation requirements.
• Passion for providing a stellar customer service experience to all customers (external and internal) and ability to instill this passion in others.
• Excellent interpersonal skills (tactfulness, cooperation, courteousness and customer friendliness) are necessary to represent the bank in a positive manner.
• Positive and cooperative approach when working with others.
• Excellent written communication skills with demonstrated ability to write communications clearly, concisely and effectively, with attention to detail for visually appealing output and accurately proofreading publications.
• Excellent verbal communication skills with the demonstrated ability to effectively present information to customers and management.
• Strong administrative skills with effectiveness in developing tasks and managing resources to achieve targets/goals.
• Ability to maintain confidentiality and handle sensitive information.
• Ability to efficiently and accurately keyboard information, both computer and calculator.
• Strong computer skills with a proficiency in MS Word, Excel and Outlook.

WORKING CONDITIONS

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the work environment will include:

• Works in a normal office environment.
• Travel between branch and customer locations, as needed.

PHYSICAL REQUIREMENTS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to:

• Communicate effectively, both verbally and in writing.
• Keyboard information (computer and calculator).
• Travel to branch and customer locations, as needed.