FNBO
CommercialBanker
“Commercial Banker at FNBO. Skills: Commercial lending, Credit analysis, Portfolio management, Business development. Development of new business. Broadening existing customer base with an emphasis in providing traditional bank credit and depository services”
What You'll Achieve.
Maintain a substantial and growing loan portfolio with regard to quantity and quality; Maintain a very high asset quality
Industry & Context.
Must be able to define problems, collect data, establish facts and draw conclusions
Unrestricted work authorization and not require future sponsorship
What They're Looking For.
Must Have
Proven ability to underwrite complex credits and negotiate terms and conditions with sophisticated borrowers, Minimum of 5 or more years of experience in financial institution lending exhibiting increased level of responsibility and performance, Knowledge of lending compliance, policies, and procedures is essential, Broad understanding of other Bank products and services, Maintain a substantial and growing loan portfolio with regard to quantity and quality, Must be properly licensed and meet requirements with respect to National Mortgage Licensing System and Registry (NMLS), Bachelor's degree in business, finance or related field or equivalent experience, Superior written and verbal communication skills, Exhibit and maintain high degree of professionalism, Maintain high degree of confidentiality and integrity, Ability to communicate effectively and professionally at all levels of the organization, Excellent follow through and time management skills, Excellent attention to detail, PC, web, database/Excel knowledge as required, MUST exhibit good business acumen, MUST possess a “can do” customer-service attitude/philosophy, Unrestricted work authorization and not require future sponsorship
Nice to Have
Represent the bank and provides leadership in key community activities that may include business, charitable, civic and other social organizations to maintain a proper responsible citizen stature for the bank
What You'll Do.
Development of new business
Broadening existing customer base with an emphasis in providing traditional bank credit and depository services
Promote and sell other fee based financial services offered by the organization
Calling on existing and prospective customers in effort to retain and develop business for the organization
Structure and price credits in an appropriate fashion that creates value for the customer while adhering to the organization’s underwriting standards
and pricing objectives
Performance of individual loan portfolio in all aspects including but not limited to growth and quality
Maintain current knowledge and comply with regulatory and bank standards
and procedures related to depository and lending activities along with other areas of the organization as required by management
Prepare loan and sales proposals
Spread Financial Statements – analyze and monitor financial information as required for loan presentation worksheets (LPWs) and narrative
Maintain assigned loan portfolio
Sell additional products and services to customers
Actively participate in Credit Committee meetings and make complete and accurate presentations to the loan committee
Follow up specific leads offering business development opportunities among customers and prospects
Maintain a very high asset quality
establish facts and draw conclusions
Fully accountable for loan risk rating recommendations
Develop periodic “action plans” for loan customers demonstrating a weakening financial condition
Credit portfolio management will include processing new loan requests
annual and periodical credit reviews
short term asset analysis (accounts receivables and inventory)
appraisal order coordination
commercial and construction draw approval and processing
project inspection coordination as required
accountability for loan documentation and other loan matters as required to maintain loan portfolio
Prepare summary memos for members of Executive Management as required
How You'll Work.
Team & Collaboration
Actively participate in Credit Committee meetings and make complete and accurate presentations to the loan committee
Communication Scope
Superior written and verbal communication skills; Ability to communicate effectively and professionally at all levels of the organization
Applying for this Commercial Banker role?
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