Develops and manages commercial
loan accounts which meet established lending requirements, and which maximize
profitability while minimizing risk. Sets
goals for growth, fee income, delinquency and charge offs.
- Interviews loan applicants, collects,
analyzes financial and related data to determine general credit worthiness
of the prospect and the merits of the specific loan request.
- Establishes and negotiates terms
under which credit will be extended, including costs, repayment method and
schedule and collateral requirements.
- Collects and analyzes information
which reflects current credit worthiness of customers and current merits
of existing loans.
- Monitors loan repayment activities
and takes necessary action to collect from past due accounts.
- Adheres to customer service standards
to ensure that inquiries are handled in a prompt, efficient and courteous
- Develops new business by contacting
prospects and customers.
- Participates in community affairs to
increase the bank’s visibility and to enhance new business opportunities.
- Performs job duties in accordance
with all appropriate laws and regulations.
- Reviews new developments in
commercial lending and changing government regulations, ensuring that the
staff is kept informed.
- Performs other work-related duties as
Education and Experience:
in business, finance or marketing
years’ experience in commercial/ag lending is preferred.
knowledge of lending regulations and credit/underwriting practices
Skills and Competencies:
PC skills including word processing, spreadsheet, presentation, internet,
and internal software
verbal, negotiation and presentation skills in order to achieve sales
objectives in a professional environment.
analytical skills in order to underwrite and monitor loans and identify
business opportunities in a highly competitive environment.
Traditional retail office environment
Interstate Bank promotes an equal
opportunity workplace, which includes reasonable accommodations of otherwise
qualified disabled applicants and employees.
Please contact Human Resources with questions regarding the physical
demands of this job