Commercial Loan Officer-Fresno
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.
Meets with prospective customers to develop a complete banking relationship.
Interviews applicant and requests specified information for loan application.
Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant’s evaluation.
Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
Corresponds with or interviews applicant or creditors to resolve questions regarding application information.
Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
Approves loan within specified limits or refers loan to loan committee for approval.
Ensures loan agreements are complete and accurate according to policy.
Assures timely loan closing and funding activities.
Identifies and analyzes potential loan markets to develop prospects for commercial loans.
Advises unit managers and loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations. Recommends and implements appropriate changes to establishment policies and procedures.
Promotes and cross-sells other establishment products and services as appropriate to customer requirements.
Ensures timely collection of loan payments and initiates collection efforts when required.
Provides loan data to support marketing and sales promotion programs.
SUPERVISORY RESPONSIBILITIES: None
QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE
Associate’s degree (A. A.) or equivalent from two-year college or technical school; or 3 to 5 years related experience and/or training; or equivalent combination of education and experience. Emphasis on accounting or business administration. Knowledge of loan analysis and principles.
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
CERTIFICATES, LICENSES, REGISTRATIONS
PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel; and reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus.
WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually quiet.