Commercial Loan Officer

UCB Bank; Godfrey (IL); On-site; USD 80,000 - 120,000; Full time

Job summary

UCB Bank is seeking a Commercial Loan Officer in Godfrey, IL to grow and maintain a loan portfolio while meeting commercial banking needs. You will interview candidates, analyze applications, collect documentation, and present requests to the loan committee.

Responsibilities include underwriting, closing, cross-selling products, and maintaining regulatory compliance. Strong communication and financial analysis skills are essential for success.

Qualifications

• Bachelor's degree in Finance, accounting, business or related field or equivalent experience.
• Training in bank lending practices preferred.
• Previous experience in commercial lending preferred.
• Experience with Farm/Ag lending, C&I lending and CRE lending preferred.

Responsibilities

• Interview commercial loan candidates and explain loan products available and analyze loan applications.
• Collect and review loan documentation and financial information to review loans and approve or deny based on bank policies.
• Structure, underwrite and present loan requests to loan committee.
• Maintain and grow the loan portfolio by cross selling bank products.
• Prepare loan closing documents and ensure completeness and accuracy of files.
• Develop community relationships to solicit business and increase portfolio.
• Maintain familiarity with bank policies, procedures and regulatory standards.

Skills

Credit analysis

Interpersonal communication

Portfolio management

Sales and cross-selling

Regulatory compliance knowledge

Financial data interpretation

Education

Bachelor's degree in Finance, accounting, business or related field

Tools

Microsoft Office

Job description

• Salary : $80,000 USD Annually - $120,000 USD Annually

Job Description

Under the direction of the Market President the Commerical Loan Officer is responsible for the development and growth of an individual loan portfolio. They will also be responsible for mainting the curernt loan portfolio and meeting commercial client banking needs.

Essential Duties and Responsibilities:

• Interview commercial loan candidates and explain different loan or bank products available and analyze loan applications
• Responsible for collecting additional loan documentation and financial informaton needed to review loans and ultimately approve or deny commercial loans based on bank policies, procedures and regulations
• Responsible for all aspects of commercial lending including providing business services and other banking products to meet cumstomer needs
• Collect and analyze customers’ financial data, structure and negotiate credit transactions, and perform ongoing credit management
• Respond to customer requests related to loans, loan applications or bank products
• Structure, underwrite and present loan requests to loan committee
• Maintain the quality and integrity of the loan portfolio by developing and properly managing the loan files to assure timely receipt of all pertinent information
• Review loan documentation for completeness and accuracy and prepare documents for loan closing
• Maintain and grow current portfolio by cross selling business and personal bank products
• Follow up on deliquent accounts according to bank policies and procedures
• Prepares appropriate monthly/quarterly/annual loan committeereports
• Develop community relationships to proactively solicit business and conduct sales related activities to increase portfolio
• Maintain educational and professional expertise through attendance at job related seminars, conferences and workshops and involvement in professional, civic, and community groups in leadership positions
• Perform daily administrative tasks to ensure the functionality and coordination of the department’s activities and the Bank’s loan files
• Develop and maintain effective working relationships at all levels
• Maintain familiarity with bank products and services
• Maintain familiarity with all regulatory standards
• Maintain familiarity with and uphold all Bank policies and procedures
• Complete all training requirements as assigned
• Other related duties as assigned

Experience and Skills

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. 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.

Computer Requirements:

• Proficiency in Microsoft Office (Word, Excel, Access, and Power Point)

Education/Experience Requirements:

• Bachelor's Degree in Finance, accounting, business or related field or equivalent experience is preferred
• Training in bank lending practices preferred
• Previous experience in commercial lending preferred
• Experience with Farm/Ag lending, C&I lending and CRE lending preferred

Additional Requirements:

• Strong attention to detail and accuracy
• Strong time management and organizational skills
• Ability to practice discretion and handle confidential information in a professional manner
• Ability to handle sensitive and confidential situations and comprehend the level of confidentiality that comes along with the position and protecting employee's, customer's and bank information
• Problem Solving/Analysis skills
• Ability to communicate effectively and professionally with customers and coworkers
• Ability to make effective and persuasive speeches and presentations on controversial or complex topics to top management, public groups, and/or board of directors
• Ability to read, write and comprehend simple instructions, short correspondence and memos
• Ability to perform basic mathematical calculations and to work with mathematical concepts and apply them to work situations
• Ability to manage and execute more than one task at a time
• Ability to define problems, collect data, establish facts, and draw valid conclusions
• Ability to independently perform duties, establish priorities and meet deadlines with limited supervision
• Ability to adhere to safety and compliance regulations and procedures
• Ability to explain the benefits of bank products and services and answer customer questions regarding these products and services
• Knowledge of financial institution regulations
• Ability to exercise sound judgement that is consistent with established policies, procedures and business practices

Employees are expected to report to work as scheduled, on time and prepared to start work. Employees are expected to remain at work for their entire work schedule. Late arrival, early departure or other absences from scheduled hours should be avoided.

Certificates, licenses, or registrations:

• None required

Working Conditions:

This job operates in a clerical setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical requirements:

• Requires bending, stooping or standing as necessary
• Requires sitting for extened peiods of time
• Requires the ability to hear, speak and/or signal people
• Effectively communicate verbally, in writing, and in English
• Requires manual dexterity, typing, and the ability to key in transactions
• The employee may occasionally lift and/or move up to 25 pounds

IMPORTANT: APPLICANTS PLEASE READ
Qualified applicants are considered for employment, and employees are treated during employment without regard to race, color, religion, national origin, citizenship, age, sex, marital status, ancestry, physical or mental disability, veteran status or sexual orientation. Solely to help us comply with federal and state Equal Opportunity record keeping, reporting, and other legal requirements, we request that you complete this data information questionnaire.
PLEASE NOTE:
Refusal to complete this information will not subject any applicant or employee to adverse treatment. The information that you provide will be recorded and maintained in a confidential file, separate from all other records. This information will not be used in consideration for your employment.