Community Banker/Commercial Lender Jefferson City, MO

Essential Job Functions:

• Actively calls on prospective commercial and small-business customers and referral contracts.
• Develops a well-balanced loan portfolio by calling on new customers and prospects to build relationships with realtors, builders, developers, and other potential referral sources.
• Proactively identifies new lending opportunities within the community.
• Participates in community and networking events to enhance the bank's visibility and reputation.
• Interviews loan applicants to develop information concerning their needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
• Ensures all required information is completed on loan applications and orders credit reports for both in-house and commercial market loans.
• Makes decisions on loans, balancing profitability and risk, and determines if the loan is within lending limits and prescribed guidelines.
• Originates quality loans and actively cross-sells bank services to customers.
• Notifies applicants of loan decisions and corresponds with customers, applicants, or creditors to resolve questions with application information.
• Prepares loan packages in accordance with financial standards, policies, and procedures.
• Participates in, attends, and provides loan status reports at weekly loan committee meetings.
• Performs loan collection activities such as correspondence, telephone contacts, personal visits, and repossessions.
• Manages delinquent account files for the financial institution by collecting overdue payments, negotiating with delinquent borrowers for reinstatement, and creating foreclosure notices.
• Conducts appraisals and inspections of collateral as requested.
• Maintains a working knowledge of the bank's lending policies and procedures and attends various educational programs to keep abreast of new loan and banking trends, policies, and procedures.
• Reviews the non-post items report on a daily basis.
• Works with federal and state examiners as well as, outside independent auditors in their regular official examinations of the bank.
• Attends educational programs and training sessions to keep abreast of new loan and banking trends, regulations, policies, and procedures.
• Uses problem-solving and team building skills to resolve difficult customer issues.
• Follows bank policies and procedures, including state and federal regulations at all times.
• Maintains departmental appearance, both personal and general.
• Serves customers in a cordial and professional manner to ensure customer satisfaction with service provided by the bank and upholds customer service guidelines.
• Takes advantage of opportunities to promote the Bank when involved in voluntary community activities and civic organizations to cross sell the Bank's products and services.
• Assists in other departments as needed and acts as a resource to other departments regarding lending issues.
• Completes other duties as assigned.
• Job Requirements:
• Bachelor's degree in finance, business management, or equivalent business experience preferred.
• Five years prior experience in a financial institution or lending setting preferred.
• Knowledge of local market and business community.
• A working knowledge of commercial credit analysis and the bank's services.
• Proven ability to build and maintain client relationships.
• Knowledge of the bank's departmental operations, policies, procedures, and compliance regulations preferred.
• Proven sound judgement and risk awareness.
• Ability to analyze financial statements and loan risk.
• Knowledge of computer systems and changing technology, including word-processing, spreadsheets, Internet, and internal bank software.
• Prior experience in a customer service environment preferred.
• Previous cross-selling and sales experience preferred.
• Demonstrated aptitude for accuracy with numbers.
• Ability to plan, prioritize, meet deadlines, manage multiple tasks, and work under pressure.
• Demonstrated problem solving and decision making abilities.
• Excellent oral and written communication skills to communicate across a broad base of internal customers.
• Ability to concentrate on complex projects.
• Excellent human relations/customer service skills to effectively interact with customers and co-workers.
• Self-motivated and results oriented.