Commercial Loan Officer II

Peoples Security Bank & Trust; Bethlehem (Northampton County); On-site; USD 70,000 - 110,000; Full time

Job summary

Peoples Security Bank & Trust is seeking a Commercial Lending professional to manage an existing loan portfolio and develop new business with business clients. You will build and maintain relationships to support cross-sell opportunities and provide excellent service while following bank policies.

Responsibilities include presenting to loan committees, coordinating with other departments for specialized services, and ensuring compliance with lending guidelines while delivering growth for the

Qualifications

• A B.S. or B.A. in a related field normally required; specialized commercial banking education and/or training.
• Strong communication, analytical and numerical skills; sales and client-relations capabilities.
• Proficiency with bank products and lending policies; proficient PC skills (Word/Excel).

Responsibilities

• Manage an individual loan portfolio and maintain relationships to cross-sell opportunities.
• Achieve assigned sales objectives and integrate with the bank’s annual budget.
• Solicit new business from present and prospective customers.
• Provide direct service to commercial customers for deposits, loans, and other products.
• Present to loan committee and assist customers in obtaining specialized services.
• Train Commercial Loan officer I.

Skills

Communication skills

Analytical abilities

Sales skills

Interpersonal skills

PC skills

Education

Bachelor's degree in related field

Tools

Microsoft Word

Microsoft Excel

Job description

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.

• 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.

Basic Qualifications

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.