Strategic Commercial Lender: Grow Loans & Partnerships

Peoples-Bank; Munster (IN); On-site; USD 85,000 - 110,000; Full time

Job summary

Peoples Bank in Munster, IN is seeking a Commercial Lender to originate, underwrite and close commercial loans and manage a lending portfolio in line with bank policies and regulatory guidelines. You will develop and service relationships, cross-sell bank products and participate in community initiatives to strengthen the bank's local presence.

The successful candidate will have 3–5 years in banking or lending, a business-related degree, and strong analytical, communication and data analysis

Qualifications

• Bachelor's degree in business related field.
• 3–5 years in banking, credit or lending experience preferred.
• Able to work on multiple projects in a fast-paced environment while maintaining quality.
• Able to work within established standards & guidelines.
• Able to communicate with Chief Business Banking Officer, Business Banking Team Leader, Business Bankers, bank personnel, customers, prospects and third parties.
• Able to work with financial information, analyze data and use prudent judgment when making decisions.
• Knowledge of bank software: Word, Excel, Microsoft Office, nCino, Salesforce and pricing software.
• Ability to extract and analyze data to identify and resolve exceptions.
• Goal oriented and proactive individual focused on results set forth by bank's strategic plan.

Responsibilities

• Call on existing customers to retain and expand relationships.
• Develop new customers and prospects to achieve individual goals.
• Interview prospective customers to understand their loan request and business.
• Provide financial consultation and analysis to assist customers in determining their borrowing capacity.
• Gather financial statements, analyze the loan request and physically inspect collateral.
• Structure and price the loan within the Bank's underwriting and pricing guidelines.
• Underwrite loan files through evaluation of appraisals, title insurance, credit reports and other loan specific criteria.
• Respond promptly to underwriting questions or additional documentation while loan request is in Credit to minimize the turnaround time from loan request to closing.
• Review and familiarize themselves with policy and procedure changes to ensure they are in compliance.
• Review loan presentations for accuracy and compliance with Loan Policies and pricing guidelines prior to submitting for approval.
• Approve loans within their lending limits.
• Make recommendations of loans for approval under bank policy and pricing guidelines.
• Review loan documents, thoroughly, prior to the borrower signing to ensure accuracy and all required loan documents are included.
• Actively participate in Officer Loan Committee with questions and suggestions to improve credit requests and voting promptly.
• Maintain past dues at an acceptable level by actively collecting on past due loans.
• Accurate timing of loan renewals with review of risk, rates and fees.
• Timely collection of updated financial information for existing customers.

Skills

Financial analysis

Data analysis

Communication

Multi-tasking

Prudent judgment

Goal oriented

Customer relationship

Education

Bachelor's degree in business related field

Tools

Word

Excel

Microsoft Office

nCino

Salesforce

Pricing software

Job description

Peoples Bank in Munster, IN is seeking a Commercial Lender to originate, underwrite and close commercial loans and manage a lending portfolio in line with bank policies and regulatory guidelines. You will develop and service relationships, cross-sell bank products and participate in community initiatives to strengthen the bank's local presence.

The successful candidate will have 3–5 years in banking or lending, a business-related degree, and strong analytical, communication and data analysis