Commercial Loan Officer II

Peoples Security Bank & Trust Company; Bethlehem (Northampton County); On-site; USD 85,000 - 110,000; Full time

Job summary

Peoples Security Bank & Trust Company in Bethlehem, PA seeks a seasoned Commercial Lending professional to manage an individual loan portfolio and foster ongoing client relationships. The role emphasizes cross-selling, achieving annual sales objectives, and external business development.

Responsibilities include presenting to loan committees, coordinating with other departments, and supporting training for junior staff.

Qualifications

• Bachelor's degree in a related field is normally required.
• Strong communication, analytic, and math abilities are essential.
• Excellent interpersonal, written, and sales skills; PC skills sufficient.

Responsibilities

• Manages an individual loan portfolio and builds relationships to cross-sell.
• Achieves assigned sales objectives within the annual budget.
• Makes outside calls and solicits new business from customers.
• Provides timely sales information for performance reports.
• Monitors performance vs objectives and discusses with supervisor.
• Represents the bank in public relations and community activities.
• Assists in training Commercial Loan officer I.
• Maintains knowledge of bank products and policies related to commercial lending.

Skills

Communication

Analytical skills

Mathematics skills

Interpersonal relations

Sales skills

PC skills (MS Word/Excel)

Education

Bachelor's degree (B.S./B.A.)

Tools

Microsoft Word

Microsoft Excel

Job description

General Responsibilities

Responsible for performing various duties to meet the commercial services needs of individuals or business customers as well as developing and managing relationships; achieving customer service goals as established in the division’s annual operating plan; complying with operating policies and procedures established for the commercial lending function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports.

Essential Duties

• Performs a variety of duties to meet the commercial services needs of individuals or business customers as well as develops and manages relationships as follows:
• Manages an individual loan portfolio; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities.
• Achieves assigned sales objectives, with assigned supervisor, on an annual basis; this activity to be integrated with the Bank’s annual budget.
• Makes outside calls and solicits new business from present and prospective customers.
• Provides sales information on a timely basis in order that this information may be included as part of customer service and sales performance reports.
• Monitors individual sales performance versus objectives on a regular basis; discusses performance with appropriate supervisor on a frequent basis.
• Serves as a member of the Bank's sales team; makes group sales calls where these types of calls will improve the opportunity for new business development.
• Maintains a thorough knowledge of the features and benefits of all bank commercial products and services in order to ascertain customer needs and to sell in conjunction with these needs.
• Provides direct service to commercial customers of the Bank with respect to deposit, loan, and other miscellaneous products and services.
• Makes presentations to appropriate loan committee.
• Assists customers in obtaining specialized services from other bank departments as necessary; provides help to customers with specific inquiries or service problems.
• Maintains a working knowledge of bank operating policies and procedures which impact commercial services.
• Prepares and maintains accurate records of all customer service calls made and meetings held with present and prospective customers.
• Actively represents the Bank in public relations and other related community activities.
• May attend sales and trade meetings as a bank representative to develop new business and to gain information and leads on new business relationships.
• Monitors loan repayment activities of assigned loan portfolio.
• Assists in training of Commercial Loan officer I.

Ancillary Duties

Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re‑designed depending upon individual circumstances.

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 position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the essential job functions of this position, the employee is regularly required to sit, stand, talk, hear, walk, use hands and fingers, handle or feel objects, and reach with hands and arms. At times required to stoop, kneel, bend, crouch and lift up to 25 pounds. This position requires regular use of a computer.

Requirements:

Education/Training: A B.S. or B.A. degree in a related field normally required; specialized commercial banking education and/or training.

Skill(s): Must demonstrate strong communication skills; proficient analytical and mathematics skills; proficient interpersonal relations, communicative, written, and sales skills; a thorough knowledge of the features and benefits of all bank commercial products and services; a working knowledge of bank operating policies and procedures which impact commercial lending; proficient PC skills, including Microsoft Word and Excel.

Experience: A minimum of five (5) years' experience in related positions normally required.

Equal employment opportunity, including veterans and individuals with disabilities.