- Junior
- Optionales Büro in Warrensburg
Solicits, develops, and manages credit relations with individuals and businesses seeking a variety of secured and unsecured loans, including commercial, real estate, and construction. Oversees and manages commercial loan portfolio.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Interview loan applicants to develop information concerning their businesses, needs, desire, abilities, and earnings to determine whether a loan may be an acceptable risk.
Evaluate the financial condition of the client, the value of pledged collateral, and the client’s management effectiveness and competency. Make decision on loans and terms if within own lending limits. Refer loans over loan authority to Chief Lending Officer or Loan Committee. Ensure optimum profitability balanced with acceptable risk.
Monitor quality of existing accounts by verifying that assigned accounts conform to contract and policy limits.
Ensure that necessary documentation is completed and request additional data as needed. Recognize unfavorable trends and recommend corrective action. Confer with Chief Lending Officer on difficult or sensitive issues.
Coordinate loan activities with appropriate departments.
Responsible for the attainment of loan objectives to include origination, outstanding, delinquency, charge-off, fee income, interest income, and return on assets.
Make referrals to other business units for traditional and non-traditional banking products and services.
Identify clients who are not profitable and aggressively manage the relationship to be a more profitable one.
Actively call on new and prospective customers, exploring needs and cross-selling and recommending bank products and services that are in the best interest of the customer and that achieve their financial objectives.
Actively profile customers to ensure strong understanding of the total customer financial picture.
Assist others as needed. May be assigned other duties and responsibilities. May be assigned work or training at other assigned locations.
