COMMERCIAL LOAN OFFICER

Clackamas County Bank; Gresham (OR); On-site; USD 75,000 - 100,000; Full time

Job summary

Clackamas County Bank is seeking a Commercial Loan Officer in Gresham, Oregon, to develop and manage commercial loans that meet lending criteria. The role involves analyzing credit requests and financial statements to secure loans up to $4,500,000.

Ideal candidates will have 10 years of commercial lending experience and the ability to build strong customer relationships. Core responsibilities include providing exceptional customer service, preparing loan presentations, and cross-selling additional bank services.

Qualifications

• Strong track record of generating commercial loans.
• Proficient in analyzing credit requests and financial statements.
• Ability to adhere to credit quality standards and regulations.

Responsibilities

• Develop and manage commercial loans that meet the bank’s criteria.
• Identify prospects and secure loans up to $4,500,000.
• Analyze customer credit requests for loan decisions.
• Prepare loan presentations and make recommendations to the loan committee.
• Cross-sell additional bank services to existing customers.

Skills

Analytical skills

Customer service

Credit analysis

Loan structuring

Interpersonal skills

Education

10 years of commercial lending experience

Job description

Job Description

Commercial Loan Officer

Clackamas County Bank

Develop, manage, and grow commercial real estate, small business, and commercial loans that meet the bank’s commercial lending criteria and provide profitability to the bank while mitigating risk. Develop and increase commercial and retail deposit accounts and relationships.

Description of Duties:

• Identify, meet and develop prospects to generate new business relationships and secure loans up to $4,500,000
• Gather and analyze information necessary to present a financing request for approval; meet with existing or potential customer; negotiate loan terms and conditions; refer and recommend loan approval to loan committee
• Analyze customer credit requests, balance sheets, profit and loss statements, and cash flow projections in order to make sound loan decisions and predict future repayment capacity
• Prepare accurate, quality write ups, cash flows and loan presentations and make recommendations to loan committee on new and renewal loans
• Possess high level of analytical skills to conduct loan analysis with consideration of market trends, credit, interest rates, economic conditions, and other factors
• Provide exceptional level of customer service needed to maintain and grow customer relationships
• Manage and grow loan and commercial deposit portfolios. Develop and maintain existing customer base and increase customer relationships
• Cross-sell other bank services to customers, i.e., retail deposits, merchant services, cash management, wealth management services, insurance services, etc.
• Participate in professional associations and represent the bank with community service activities and committees
• Monitor and ensure the asset quality of the assigned loan portfolio. Review delinquency reports and ensure proper collection efforts are being utilized to manage the credit risk of the portfolio
• Acquire a thorough knowledge of the bank’s products and services
• Possess a high level of interpersonal skills to interact with both customers and colleagues in a professional manner
• Have an adequate knowledge of both internal policies and procedures and state and federal laws and regulations governing departmental functions to endure performance of individual job duties.
• 10 years of commercial lending experience
• Proven track record generating commercial loans
• Strong analysis and critical thinking skills including credit analysis and loan structuring
• Ability to adhere to credit quality standards within the bank
• Prior background in commercial real estate