Job description: Commercial Lender
About OPTUS BANK:
Optus Bank (www.optus.bank) is a unique financial institution focused on creating wealth building opportunities for people and places historically underserved by traditional banks while also providing competitive and complementary banking services to all people in South Carolina and beyond. Optus Bank believes that banking services should be a powerful tool for wealth building opportunities for all people, regardless of their socioeconomic status. To realize that vision, Optus Bank is expanding into new markets and new lines of business and growing its team with people that share its values and entrepreneurial spirit.
Position Overview:
This position is responsible for the commercial lending function of the Bank. Other responsibilities include working with customers to explain the steps and answer questions during the lending process. This position also represents the Bank in the community through attendance and participation in community events. This position will also interact with bank management in discussing the credit risk of the loan applicants. This position also has extensive contact with existing customers, as well as prospects and business leaders in the community.
Essential Duties:
• Responsible for developing new business, underwriting, structuring, and closing of commercial loans, as well as maintaining and servicing a commercial loan portfolio.
• Represent the bank in its market area through active participation in community affairs.
• Interviews applicants to determine loan requirements and gathers pertinent information for loan applications.
• Requests applicant credit reports, background checks, reference checks and other information pertinent to loan applicant’s evaluation.
• Analyzes applicant’s financial status, credit, and asset evaluation to determine feasibility of granting loan, establishes credit limit through written and/or oral assessment.
• Resolves uncertainties relating to customer application information through inquiries with applicant or creditors.
• Structure loans within loan policy. Approves loan within specified limits or champions loan opportunities to the credit department and/or Committee for proper approval.
• Prepares financing proposals consistent with approval for presentation to the applicant.
• Reviews loan documentation prior to closing for completeness and acceptance by the applicant.
• Ensures timely loan closing and funding activities.
• Manage loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring.
Skills:
• Maintains a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations.
• Participate in community and professional organizations and events.
• Uses experience and sound judgment to plan and accomplish goals.
• Ability to generate $8-12 million in new loan growth.
• Applicant should be able to exercise good judgment in establishing and maintaining working relationships, solve problems, and be able to deliver a high level of accuracy, focus and timeliness with limited supervision.
• Strong written and verbal communication skills are required along with a proficiency in Microsoft Office Suite of Programs/Products.
• Must have the ability to read, analyze, and interpret policies, contracts, credit, and financial documents as well as other legal documents as needed.
• Ability to present, sell and service bank products as well as demonstrate professional knowledge of commercial lending.
• Strong analytical and mathematical capabilities as well as an understanding of credit underwriting and loan documentation.
Qualifications and Education Requirement:
Job Type
• Full-time
I acknowledge that I have read and understand the above job description in its entirety, and I am capable of performing all the stated requirements.
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Employee Signature Date