Location: Huntsville,AL, USA
Overview
The purpose of this job is to use commercial lending skills to provide practical application in the areas of portfolio management, preparation of loan packages, property inspections, relationship development and other duties as needed in such a way as to contribute to the overall achievement of departmental goals.
Responsibilities
* Determination of data required for loan packages
* Portfolio management decisions within credit authority
* Loan pricing decisions within authority
* Determine which customers are potential candidates for expanded services and identify qualified prospects
* Practice commercial loan portfolio management skills through practical application of assigned portfolio including project analysis, loan underwriting, proper risk analysis and identification of risk rate, packaging and presentation, renewal processing, loan doc prep and closing, collateral analysis, past due notice management, etc. Work with Audit, Loan Review and the OCC as needed
* Practice business development skills through the practical application of performing business calls to customers and prospective customers in order to gain further experience in outside loan production and negotiations and support achievement of new business goals
* Provide high level of customer service to existing clients in order to build relationships, to expand development of business and to identify and create cross sell opportunities for other product lines
* Maintains professional community relations to increase the bank's visibility and new business opportunities, and to further personal development.
Qualifications
* Bachelor's degree in business, finance, accounting, related field, or equivalent experience
* Minimum of three years proven and progressive commercial lending/credit experience or equivalent
* Experience with real estate or commercial lending risk analysis
* Developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
* Practical working knowledge of sales principles
* Detailed knowledge of credit analysis practice and procedure
* Familiarity with products and services offered by financial services institutions
* Effective oral and written communication skills
* Excellent interpersonal skills
* Developed decision making and persuasion skills
* Proven ability to build relationships
* Time management/organization skills
* Computer skills to include word processing and spreadsheet application
* Customer contact and sales and service skills