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gpac · 11 hours ago

Commercial Lender

Clear Lake, IA

Full-time

Onsite

Mid, Senior Level

4+ years exp

GPAC is a community-focused bank seeking an experienced Commercial Lender to join their team. The role involves managing loan applications, developing lending business, and maintaining client relationships while ensuring compliance with bank policies.

ConsultingHuman Resources

Responsibilities

Takes applications for commercial and/or agriculture loan business. Reviews customer financial condition by obtaining credit report and other necessary documents and assesses the customer's ability to re-pay the loan. Makes underwriting recommendations to senior lender. Completes or directs completion of all loan documents and closes loans

Participates in developing lending and deposit business for the Bank. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the Bank's client base

Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation

Collects the standard Bank fees on all loans

Assists in collection of past due loans

Assists customers with any loan-related questions and concerns

To independently manage intermediate or moderately complex business/commercial loan credit underwriting and loan structures

To produce assigned loan volume as set annually by your supervisor

To ensure and maintain asset quality of loan portfolio

To maintain an appropriate delinquency rate of loan portfolio as set by your supervisor/Bank policy

To collect the Bank's standard fee income on portfolio loans and the standard fee on loans sold

To maintain an acceptable charge-off and delinquency rate as set by your supervisor/Bank policy

To insure that lending operations are in accordance with established Bank policy and are legally compliant

To maintain a professional, courteous, and friendly atmosphere for customers and co-workers

Qualification

Credit underwritingCommercial lendingBusiness developmentFinancial statement analysisSales skillsLending software proficiencyCivic involvementCommunication skillsAttention to detailProject management

Required

Four to six years of combined credit underwriting, lending, business development and sales experience

A college degree generally in finance, accounting and/or banking or equivalent work experience in the banking industry

Completion of the first level of Advanced Commercial Lending School, or Graduate Banking School, or Certified Community Lender Certification

The ability to motivate or influence others is a material part of the job, requiring a significant level of diplomacy and trust. Obtaining cooperation (internally and/or externally) is an important part of the job

Above average experience in analyzing business financial statements and assessing the viability of businesses

Solid communication and PR skills

Above average computer skills (Word, Excel) and the ability to learn and proficiently use related lending software programs

Ability to handle multiple projects with varied deadlines

Strong attention to detail/analytical skills

Willingness to be involved in civic and/or professional associations

Demonstrated proficiency at intermediate level of sales skills and abilities for developing new business customer relationships