Objective: Manages a portfolio of commercial clients, underwrites loans, and develops new business opportunities. Works more independently and may mentor junior staff.
Classification: This is a Full-Time exempt position and reports to the Commercial Loan Group Manager.
Job Location: Fishers, IN
Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Analyze financial statements and assess creditworthiness.
- Ensure proper risk ratings and early identification of potential problems.
- Source, develop and underwrite new construction, interim and permanent financing requests for new and existing customers.
- Maximize bank profitability through appropriate pricing of new loan originations, fee income and selling of all bank products and services.
- Conduct basic financial analysis and credit reviews.
- Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
- Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service and superior product knowledge.
- Maintenance and development of an existing portfolio of approximately 100 commercial clients
- Develop new loan and deposit business with prospective customers
- Evaluate, authorize, recommend and approve various types of commercial and commercial real estate loans
- Consult with borrowers and prospective borrowers to determine and recommend the most beneficial structuring of loan requests
- Ensure compliance with internal policies and regulatory requirements.
Other Duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
Competencies
- Communications Proficiency.
- Financial Management.
- Customer/Client Focus.
- Technical Capacity.
Education and Experience:
- Bachelor’s degree in finance, business, economics, or related field preferred
- Minimum of three to five years of commercial lending experience
- Strong credit skills and business development abilities
- Strong customer service and sales orientation
- Formal credit training preferred
- Knowledge of loan structuring and risk assessment