VP/Commercial Loan Officer

firstnorthernbankofdixon; Sacramento (CA); On-site; USD 130,000 - 140,000; Full time

Benefits offered by this job

Bonus program

Profit-sharing

Discounted stock purchase

Job summary

First Northern Bank in California seeks a Senior Commercial Loan professional responsible for evaluating and approving customer loan applications, managing relationships, and growing a commercial lending portfolio. You will review financials, structure loans, and ensure adherence to bank policies while collaborating with leadership and credit teams.

The role emphasizes sound judgment, risk management and strong communication.

Qualifications

• HS Diploma or GED required; Bachelor's degree preferred; 5+ years of commercial lending experience; strong underwriting knowledge; proficiency in Microsoft Office.

Responsibilities

• Generate new loan opportunities from portfolio and outside sources.
• Originate and renew Commercial & Industrial loans and Owner Occupied Real Estate loans.
• Promote and cross-sell bank products and services to customers.
• Interview applicants and collect information for loan applications.
• Request financial statements and other information for loan evaluation.
• Compile loan packages and negotiate loan structures.

Skills

Communication

Problem-solving

Customer service

Attention to detail

Judgement

Ambition

Productivity

Teamwork

Professionalism

Dependability

Time management

Education

HS Diploma or GED

Bachelor's degree in business or related field

Tools

Microsoft Office

Job description

What You’ll Do

This position develops, evaluates and recommends approval of customer applications for commercial loans. They will manage and enhance relationships with new and existing commercial banking/lending clients, including large, complex commercial relationships, manages and deepens a growing portfolio of clients to meet or exceed established portfolio growth goals.

Responsibilities Include

• Generate new loan opportunities from both existing portfolio clients and outside sources
• Originate and renew Commercial & Industrial loans as well as Owner Occupied Real Estate loans
• Promote and cross-sell other Bank products and services as appropriate to customers
• Interview applicant and request specified information for loan application
• Request applicant’s financial statements and other information pertinent to loan applicant’s evaluation
• Compile loan package and facilitate negotiation of loan structure with applicants, including fees, loan repayment options, and other credit terms
• Review applicant financial status, credit and collateral evaluation to determine feasibility of granting loan after receiving application back from Credit Services department
• Prepare and present credit analysis and recommendations on commercial borrowing requests
• Demonstrate sound judgment in recommending loans for approval or decline
• Monitors portfolio for quality, risk, and adherence to policy. Works closely with Commercial Banking Leadership and Credit Administration to ensure sound portfolio management, client introductions and timely resolution of issues.
• Ensure loan documents are complete and accurate according to policy
• Active involvement in community organizations and activities

Qualifications

• HS Diploma or GED Required
• Bachelor's degree in business or a related field from four-year college or university preferred; and
• Minimum of 5 years’ related experience in commercial lending and strong understanding of underwriting standards for commercial loans required
• Strong technical skill with expertise in Microsoft office
• Deep understanding of commercial bank programs

What You’ll Need to be Successful

• Communication – can speak and write clearly and persuasively in all situations; can speak effectively before groups of customers or employees

• Problem-solving Skills – can identify and resolve problems in a timely manner and work well in group problem-solving situations
• Customer Service – will respond promptly to customer needs, solicit customer feedback to improve service and respond to requests for service and assistance
• Attention to Detail – will demonstrate accuracy and thoroughness in work
• Judgement – will exhibit sound and accurate judgment, support and explain reasoning for decisions and include appropriate people in decision-making process
• Ambition – will set and achieve challenging goals, demonstrate persistence and overcome obstacles
• Productivity – will meet productivity standards, complete work in timely manner and strive to increase productivity
• Teamwork – can listen without interrupting, remain open to others’ ideas and foster quality focus in the team
• Professionalism – will always represent the Bank in the best light
• Dependability – will take responsibility for own actions and follow through on commitments

• Time Management – can prioritize and plan work activities and use time efficiently

Why You Should Apply

• Full-time position with excellent compensation and benefits package
• Generous time off programs
• Bonus program
• Profit-sharing
• Discounted stock purchase program
• Excellent growth and development opportunities
• And much more!

Pay Range: $130,000.00 - $140,000.00/year

The purpose of this job description is to provide a summary of duties related to the position. It is not intended to be all-inclusive. The employee will perform other reasonable business duties as assigned by supervisor or other management.

First Northern Bank does not discriminate based on race, color, religions, sex, gender identity, age, national origin, marital status, pregnancy, disability, or any other protected status.

The duties outlined in this description are subject to modification or change by the organization, at any time, with or without notice.