Commercial Lending Officer

First Financial Bank

Job Description

Job Title:

Commercial Lending Officer

Status:

Officer

Reports To:

Senior Commercial Lending Executive

Summary

To originate, underwrite, close, and service commercial loans. Develop and cultivate long-term customer relationships. Manage risk by ensuring compliance with lending policies, corporate policies and governmental laws and regulations. Accountability for this position will consist of account maintenance of existing customers and new business development. Demonstrate appropriate sales behaviors.

Typical Job Entry Requirements

(To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

• Bachelor's degree in a business related field is required. A Bachelor's in Finance or Accounting is preferred.
• Four to seven years of Commercial Lending experience required.
• Knowledge and understanding of analyzing cash flow from tax returns, as well as personal financial statements and credit reports is required.
• A working knowledge of AS 400 is preferred.
• Strong Microsoft Word, Excel, and Powerpoint skills are required.
• Ability to manage a heavy workload, manage multiple projects, and work effectively with others to produce results in a team environment.
• Proven experience demonstrating the development of customer relationships, the cultivation of referral sources, and the development of new account relationships.
• Excellent problem solving and interpersonal skills.
• Strong written and oral communication skills.

Primary Activities:

(Essential Duties and Responsibilities include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

• Loan origination - provide information to the applicant regarding bank policy, complying with all rules and regulations, and to obtain explicit and sufficient verifiable information for a final qualified approval or denial decision.
• Loan underwriting - review applications and appropriate documentation for a loan approval or denial decision including analyzing all pertinent financial data and evaluating the adequacy of any collateral. Determine appropriate loan structure.
• Loan closing - carry out all transactions, from commitment to the signing and consummation, disbursing loan proceeds, necessary to comply with all laws and regulations, all requirements necessary to secure any collateral being pledged.
• Monitor Bank procedures to ensure proper attachment and perfection of collateral as required under Bank policy.
• Represent the organization with customers, the financial community and the public as required to maintain an appropriate corporate image for First Financial Bank.
• Cross-sell additional banking products when appropriate.

• assist customers in making appropriate buying decisions
• demonstrates appropriate knowledge of features and benefits of all accounts

• Develop and maintain a loan portfolio referral system for qualified customers.
• Develop and expand customer call plans for assigned client base and for prospective clients.
• Review business trends and advise clients regarding expected fluctuations and economic changes.
• Conduct sales presentations to existing and potential clients.
• Maintain active and up-to-date customer files for assigned clients and prospective clients.
• Perform other related duties as required or assigned.

Key Behaviors

• Knowledge of Competitors
• Knowledge of Products
• Sales Planning Skills
• Conducts Effective Sales Interviews
• Identifies Opportunities for Customer Referrals
• Develop and Maintain Customer Relationships
• Effective Sales Administrator
• Personal Development Established with Manager

Bank Secrecy Act

• Maintain sufficient knowledge and understanding of the Bank Secrecy Act, Anti-Money Laundering/Anti-Terrorist Financing/PATRIOT Act, OFAC, and other laws and regulations
• To be able to fulfill applicable requirements and responsibilities under the bank's related policies and programs.

Competency / Skill Level:

(The behaviors, knowledge, and motivations important to success in the job.)

Written and oral communication skills; persuasiveness/ sales ability; initiative; customer service orientation; problem assessment and problem solving skills; attention to detail; technical/professional knowledge; teamwork; tolerance for stress;

Critical Job Elements:

• Generally good working environment with little exposure to noise, extreme temperatures or other adverse factors.
• Limited physical effort required.
• Above average need to visit customers at their place of business.
• Above average amount of pressure to work efficiently and accurately.
• Above average mental effort consisting of beyond normal levels of concentration, memory, complexity of decision making, time pressure, analytical thinking.