Growth-Focused Commercial Lender III

Heartland Bank and Trust Company; Chapin (IL); On-site; USD 87,177 - 148,664; Full time

Job summary

Heartland Bank and Trust Company in Bloomington, Illinois, is seeking a Commercial Lender III to manage a portfolio of small business and agricultural loans and to support loan growth.

The role requires 2+ years as a commercial loan officer or portfolio manager, with annual new loan generation of $2MM to $5MM. You will coordinate loan processing, underwrite renewals and operate within lending limits.

Qualifications

• Bachelor’s degree and minimum 2 years related experience preferred or equivalent combination of education and experience.

Responsibilities

• Engage in business development activities and solicit new business.
• Gather and analyze information necessary to present a financing request to Senior Management for approval; meet with existing or potential customers; visit sites of loans; negotiate loan terms and conditions; approve loans within established lending limits or refer and recommend approval to designated members of Senior Management and/or the Chief Credit Officer.
• Coordinate processing of approved loans; ensure loans are processed according to agreement, customer needs and conform to Bank lending policies; obtain sufficient information and/or documentation from customers; solve problems and ensure maintenance relative to processing and servicing of loans within his or her portfolio; approve loan disbursements in accordance with agreements; Negotiate, underwrite and process renewals of credit facilities.
• Authorize commitment, engagement, auction, and decline letters.
• Develop and maintain knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• Responsible for meeting annual loan and deposit growth goals assigned by Senior Management.
• Assume responsibility for special projects; gathers data and prepares reports for Senior Management, audits and other personnel.
• Review NSF and overdraft reports for customers assigned within his or her portfolio; approve or decline such exceptions within established lending limits.

Skills

Business development

Financial analysis

Negotiation

Client meetings

Education

Bachelor’s degree

Job description

Heartland Bank and Trust Company in Bloomington, Illinois, is seeking a Commercial Lender III to manage a portfolio of small business and agricultural loans and to support loan growth.

The role requires 2+ years as a commercial loan officer or portfolio manager, with annual new loan generation of $2MM to $5MM. You will coordinate loan processing, underwrite renewals and operate within lending limits.