Commercial Lender

• Interviews applicants to determine loan requirements and gathers pertinent information for loan applications.

• Requests applicant credit reports, background checks, reference checks and other information pertinent to loan applicant’s evaluation.

• Analyzes applicant’s financial status, credit, and asset evaluation to determine feasibility of granting loan, establishes credit limit through written and/or oral assessment.

• Resolves uncertainties relating to customer application information through inquiries with applicant or creditors.

• Structure loans within loan policy. Approves loan within specified limits or champions loan opportunities to the credit department and/or Committee for proper approval.

• Prepares financing proposals consistent with approval for presentation to the applicant.

• Reviews loan documentation prior to closing for completeness and acceptance by the applicant.

• Ensures timely loan closing and funding activities.

• Manage loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring.

• Uses experience and sound judgment to plan and accomplish goals.