Strategic Lending & Credit Advisor

Bank of Colorado; Thornton (CO); On-site; USD 115,000 - 160,000; Full time

Benefits offered by this job

8 paid holidays

17 PTO days per year (first five years

Health, dental, vision, prescription

401K plan after 3 months

Group term life insurance

Long term disability

Employee assistance program

Job summary

Bank of Colorado manages a portfolio of all types of loan and depository accounts and is responsible for prospecting new customers and cross-selling other banking services. The role involves handling a diverse lending portfolio, interviewing applicants, evaluating creditworthiness, and monitoring repayment activities.

Experience in agriculture, commercial, and consumer lending, plus strong knowledge of credit structures and banking principles, is expected.

Qualifications

• Knowledge of agriculture, commercial and consumer lending procedures.
• Knowledge of credit structuring.
• Knowledge of general banking principles and banking.
• Knowledge of sales and marketing practices and principles.
• Skill in communicating with clients and co-workers in courteous and professional manner.
• Skill in operating computer terminals and printers.
• Skills in pricing loans.
• Ability to maintain a high level of confidentiality.
• Ability to problem solve.
• Ability to make sound decisions using information at hand.
• Ability to demonstrate accuracy and efficiency in a fast-paced environment.
• Ability to function as a team player.

Responsibilities

• Prospects new customers and solicits new loans. Cross-sells other banking services to new and existing customers. Maintains on-going customer contact to ensure good customer relations.
• Performs ongoing management of a portfolio of account relationships. Includes account reviews, problem solving, research and follow-up to internal account errors, etc.
• Interviews loan applicants: gather and evaluate financial and related data to establish credit worthiness. Monitor customers' financial condition.
• Reviews and approves or denies loan request to new or existing customers up to a pre-determined limit. Prepares action memos and presents credits exceeding authority to loan committee.
• Monitors loan repayment activities, take necessary action to collect past-due accounts.
• May participate in preparation of department budget, goals and objectives and strategic planning.
• Participates in civic and community organizations, representing the bank at events.
• Performs other related duties as assigned by management.
• Ability to maintain regular and reliable attendance.

Skills

Portfolio management

Credi t analysis

Sales and cross-selling

Customer relationship management

Communication skills

Financial data evaluation

Education

College degree preferred

Job description

Bank of Colorado manages a portfolio of all types of loan and depository accounts and is responsible for prospecting new customers and cross-selling other banking services. The role involves handling a diverse lending portfolio, interviewing applicants, evaluating creditworthiness, and monitoring repayment activities.

Experience in agriculture, commercial, and consumer lending, plus strong knowledge of credit structures and banking principles, is expected.