VP, Commercial Loan Officer at Solvay Bank

Position Title:                                                                                                Reports To:

Commercial Loan Officer                                                                               VP, Commercial Banking

    Manager

POSITION SUMMARY:

Develops new business and services existing clients for commercial lending, deposit, and cash management needs. Demonstrates sound judgement and professional expertise in meeting the business needs of clients, serving as a trusted advisor. 

JOB RESPONSBILITIES

• Interviews applicants and requests specified information for loan application including credit reports, reference checks, financial statements, tax returns.
• Approves loans within specified limits or refers to loan committee for approval.
• Facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
• Assures timely loan closing and funding activities.
• Follows current loans to ensure compliance with terms and reviews all past-due accounts regularly.
• Promotes and cross-sells other banking products and services as appropriate to customer requirements.
• Assists customers with inquiries and information requests, and resolves complaints relating to loan products and services offered.
• Calls on potential or existing customers to develop new business and increase or retain existing business.
• Performs other tasks requested as they relate to the bank and its functions.
• Adheres to bank policies and procedures.

NECESSARY SKILLS:

• Ability to deal effectively with various people and situations.
• Strong organizational skills and the ability to be flexible.
• Demonstrated analytical skills.
• Excellent knowledge of banking products and services.
• Excellent oral and written communication skills; customer service skills.
• Strong sales skills.

EDUCATION AND/OR EXPERIENCE:

• Bachelor’s degree preferred

• Minimum of 2 years lending experience or successful completion of Solvay Bank Commercial Loan Officer Development Program

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 function.

While performing the duties of this job, the employee is regularly required to use hands to finger, handle or feel objects, tools or controls; reach with hands and arms; and talk or hear. The employee frequently is required to stand, walk, sit, and climb stairs. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception, and the 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 essential functions.

The noise level in the work environment is moderate.