COMMERCIAL LOAN OFFICER

Clackamas County Bank; United States; On-site; USD 80,000 - 140,000; Full time

Job summary

Clackamas County Bank is seeking a seasoned Commercial Loan Officer to develop, manage, and grow commercial real estate, small business, and commercial loans. You will analyze financials, structure loans, and present to the loan committee while ensuring risk and credit standards are met.

You will also manage customer relationships, cross-sell services, and contribute to deposit growth. Strong CRE background and banking knowledge are essential. Located in the United States.

Qualifications

• Minimum 10 years of commercial lending experience.
• Proven track record generating commercial loans.
• Strong loan analysis and credit judgment.
• Knowledge of commercial real estate lending.
• Ability to adhere to credit quality standards.

Responsibilities

• Develop, manage and grow commercial real estate, small business, and commercial loans.
• Gather and analyze information for financing requests and present to loan committee.
• Analyze financial statements and cash flows to assess repayment capacity.
• Prepare writeups, cash flows and loan presentations for decisions.
• Provide high level of customer service to maintain and grow relationships.
• Cross-sell bank services and expand loan and deposit portfolios.
• Monitor asset quality and coordinate collection efforts as needed.
• Represent the bank in community activities and professional associations.
• Maintain knowledge of bank policies and applicable laws and regulations.
• Maintain a strong track record in CRE lending.

Skills

Analytical skills

Credit analysis

Loan structuring

Relationship management

Cross-selling

Customer service

Risk mitigation

Communication

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