Vice President, Loan Officer (Sandy)

Capital Community Bank; Sandy (UT); On-site; USD 90,000 - 140,000; Full time

Job summary

Accordia Bank seeks a skilled Loan Officer to grow its Sandy market share by sourcing and developing lending opportunities and underwriting loans for existing and prospective clients. You will work with retail management, interview applicants, collect documents, analyze cash flows, and prepare proposals for credit approval.

Ideal candidates have 5+ years in commercial lending, strong communication, and proven ability to manage time and portfolios while meeting regulatory requirements.

Qualifications

• 5+ years of direct experience producing and managing commercial loans in a banking environment.
• Deep knowledge of financial statements, cash flow analysis, and commercial loan structure.
• Experience with asset-based lines of credit, equipment lending, and real estate financing.
• Proficiency with financial spreading and loan underwriting tools.

Responsibilities

• Contribute to growth and market share expansion of the Sandy market.
• Partner with retail banking management in the branch and engage with clients to determine loan needs.
• Interview loan applicants, collect documents, and process applications.
• Evaluate credit, prepare loan proposals, and coordinate closing with the credit department.
• Maintain client account records and manage a portfolio while ensuring compliance.

Skills

Commercial lending

Credit analysis

Financial statement analysis

Loan underwriting

Communication

Time management

Tools

Moody's

Sageworks

Encino

Job description

The Loan Officer will contribute to the growth of Accordia Bank's market share of loans and deposits in the related market. The Loan Officer will work directly with existing and prospective clients of the bank to efficiently manage relationships, source and develop lending opportunities, and underwrite and close loan requests, while ensuring that the bank is forming comprehensive relationships with our clients.Duties and ResponsibilitiesContribute to the growth and market share expansion of the Sandy market for Accordia Bank.Partner effectively with retail banking management in the branch.Engage with customers to determine loan needs.Interview loan applicants.Collect and process loan applications and documentation.Evaluate credit and analyze financial documentation.Advise clients on loan policies and restrictions.Prepare loan proposals for credit approval with the support of the credit department.Coordinate with internal team members and third-party vendors to complete closing due diligence and meet scheduled closing dates.Maintain and update client account records.Monitor and manage existing customer portfolio.Maintain compliance with local, state, and federal laws.Perform any other duties as assigned.Minimum Requirements and Qualifications5+ years of direct experience producing and managing commercial loans in a banking environment.Thorough and technical knowledge of financial statements, cash flow analysis, and commercial loan structure.Direct experience with various commercial lending products including asset-based lines of credit, equipment lending, and real estate (term and construction financing).Direct experience with financial spreading and loan underwriting tools (Moody's, Sageworks, Encino, etc.).Exceptional ability to communicate proactively, clearly, and efficiently.Exceptional time management and task prioritization skills.