Apply on Employer Site

GBC Bank · 1 day ago

Commercial Lender III

Fishers, IN

Full-time

Onsite

Senior Level, Lead/Staff

10+ years exp

GBC Bank is seeking a Commercial Loan Officer III who will be responsible for soliciting, negotiating, underwriting, and coordinating the closing of various types of loans. The role involves developing business relationships, providing leadership to less experienced staff, and ensuring compliance with lending policies and procedures.

BankingFinancial ServicesVenture Capital

Responsibilities

Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services

Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information

Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends

Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee

Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements

Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved

Ensures that certification or deletion of collateral is made by the appropriate personnel

Negotiates, underwrites and processes renewals of credit facilities

Approves loan payments, draws from lines of credit, and fund transfers within specified limits

Authorizes commitment, engagement, auction and decline letters

Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees

Verifies funds with mortgage companies and contractors

Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition

Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena

Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits

Manages past due and maturing loan reports

Provides deposit and loan account ratings

Cross sells the Bank’s other products and services, referring customers to appropriate staff as indicated

Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken

Assists in meeting annual deposit and loan growth goals assigned by senior management; participates in various internal committees assigned by senior management

Provides leadership and training to less experienced loan officers and other staff members

Assists Senior Management with developing, analyzing and finalizing complex loan agreements with representatives of large businesses

Responds to inquiries or refers inquiries to the appropriate department or person, and exhibits the necessary follow through with customers and/or staff involved

Consistently applies superior decision making techniques pertaining to inquiries, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development

Assumes responsibility for special projects; gathers data and prepares reports for Senior Management, audits and other personnel

Assists the Branch or Regional Manager in performing personnel actions including performance appraisals, disciplinary actions, and interviewing candidates for employment; supervises the daily activities of branch and courier staff including, but not limited to, effective delegation of assignments, developing work schedules and providing necessary training

Processes, solves and answers complex customer transactions, problems or inquiries

Answers telephones, answers questions and directs callers to proper Bank personnel

Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions

Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action

Assures compliance with all Bank policies and procedures and all applicable state and federal banking laws, rules and regulations

Completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the Bank through outside activities

Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct

Qualification

Financial statement analysisCommercial loan processingLending regulations knowledgeBusiness development skillsAdvanced math skillsLeadership skillsBasic computer skillsHuman resource knowledgeOrganizational skillsInterpersonal communicationTime management skills

Required

Bachelor's degree (BA) or equivalent from a college or university; related experience and/or training; or the equivalent combination of education and experience. Work-related experience should consist of a financial analyzing or lending background of 10 years or more. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related

Registered with the Nationwide Mortgage Licensing System and Registry as a mortgage loan originator in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (the “SAFE Act”)

Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas

Advanced experience, knowledge and training in all lending activities and terminology

Advanced knowledge of commercial, construction, real estate and consumer loan processing

Ability to lead less experienced loan officers and other staff members as assigned

Advanced knowledge of related state and federal lending and compliance regulations, and other Bank lending policies

Ability to develop marketing and business development skills with customers

Basic knowledge of branch operation procedures, Bank products and services

Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures

Excellent organizational and time management skills, with the ability to provide leadership, supervision and training for 2 or more employees using positive supervisory techniques to ensure maximum productivity; demonstrated ability in organization and delegation skills

Basic knowledge of human resource and labor laws and policies

Basic skills in computer terminal and personal computer operation; host computer system; word processing, spreadsheet and specialty software programs

Intermediate typing skills to meet production needs of the position

Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs

Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, speak clearly to customers and employees

Thorough understanding of management procedures; ability to plan department or Bank activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Bank activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate)

Ability to deal with complex problems involving multiple facets and variables in non-standardized situations

Ability to work with no supervision while performing duties

Current driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities