Central Bank · 1 day ago
Commercial Lender
Columbia, MO
Contract
Onsite
Mid Level
3+ years expCentral Bank is seeking a Commercial Lender to manage a commercial loan portfolio and ensure overall profitability and quality. The role involves evaluating loan applications, making lending decisions, and actively participating in sales initiatives to deepen customer relationships.
FinanceFinancial Services
Responsibilities
Maintains and manages a commercial loan portfolio, make sales calls and responsible for overall profitability and quality of loan portfolio
Interviews loan applicants to develop information concerning their businesses, needs, desire, abilities and earnings to determine whether a loan may be an acceptable risk
Evaluates financial condition of the client, value of pledged collateral, and client’s management effectiveness and competency
Makes decision on loans and terms within own lending limits
For loans exceeding lenders established loan limits, the lender will confer with Department Manager, Chief Credit Officer or Senior Loan Committee for approval
Ensures optimum profitability balanced with acceptable risk
Monitors quality of existing accounts by verifying assigned accounts conform to contract and policy limits
Ensures necessary documentation is completed and requests additional data as needed
Recognizes unfavorable trends and recommends corrective action
Confers with the appropriate officer(s) on difficult or sensitive issues
Responsible for attaining loan objectives including origination, outstanding, delinquency, charge-off, fee income, interest income, and return on assets
Actively participates in Bank sales program; attends appropriate sales training; utilizes sales program initiatives
Makes referrals to other business units for traditional and non-traditional banking products and services
Maintains personal accountability for sales and service standards and for meeting business development, sales and referral goals
Implements tactical plans focusing on relationship selling effort to manage profitable customers in community
Identifies opportunities to deepen relationship with customers
Identifies customers who are not profitable and manages relationship to be a more profitable one
Actively calls on new and prospective customers, exploring needs and cross-selling and recommending bank products and services in best interest of customer and which achieve financial objectives
Ensures thorough knowledge and understanding of compliance and regulatory issues relating to loan policy and procedures (i.e. CRA, Fair Lending, etc.) with appropriate application of regulations in day-to-day operations
Demonstrates highest level of professionalism, efficiency and customer service in resolving difficult customer issues
Understands and maintains a thorough knowledge of Central Bank’ services, operations, and organization; communicates understanding to others when appropriate, and refers inquiries and correspondence to the proper department or individual
Responsible for compliance with all banking regulations which are applicable to the job, including Bank Secrecy Act and information security initiatives
Qualification
Required
Bachelor's degree in Business Administration, Finance, Accounting; or equivalent combination of education, training and experience providing required knowledge, skills and abilities
Three or more years commercial lending credit experience with detailed knowledge of current bank lending procedures and policies, lending regulations (state and federal), and loan documentation
Knowledge of commercial lending and real estate field, including appraisals, deeds, and lien recording
Strong ability to analyze financial statement and loan risk
Must possess good judgment
Ability to make critical decisions independently, research and solve problems, work independently, handle confidential information, and manage multiple tasks
Thorough knowledge of bank products and services is required
Demonstrated skill in soliciting business for bank deposit products and loan services
Ability to identify client needs, present banking solutions and bank products
Ability to recognize closing opportunities and retain and grow customer relationships
Excellent verbal, listening and communication skills
Strong customer relations skills and ability to work with employees and customers in a cooperative manner
Ability and desire to work as part of a team, and with people of diverse backgrounds
Strong organizational skills and attention to detail
Ability and desire to represent Central Bank in the community
Willingness to assume additional responsibilities/duties/projects
Company
Central Bank
Central Bank is a privately held $20 billion bank headquartered in Jefferson City, Missouri. Serving 13 markets in 8 states.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
unknown2019-04-10Acquired
1998-07-01IPO
Leadership Team
Bill Ferguson
President and CEO
Marshall Abney
President & CEO
Recent News
Business Wire
2022-03-01
Company data provided by crunchbase