Job Summary:

• Calls on existing and potential clients to develop new business opportunities.
• Reviews and analyzes credit requests to conform to underwriting guidelines.
• Presents credits for approval to appropriate levels of authority within the bank as required.
• Originates new and renewed agriculture/ commercial loans.
• Structures standard and non-standard credit requests.
• Negotiates terms and structures loan financing based on risk considerations.
• Prepares and closes loans by regulations and documentation guidelines.
• Conducts collateral reviews and provides inspection summaries.
• Maintains credit files with current financial information and calling effort reports.
• Identifies opportunities to promote additional bank products and services to existing clients.
• Manages problem loans to maximize recovery to the Bank.
• Exemplifies a positive bank image through community involvement.

Skills on Resume:

• Business Development (Soft Skills)
• Credit Analysis (Hard Skills)
• Loan Origination (Hard Skills)
• Risk Assessment (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Collateral Review (Hard Skills)
• Relationship Management (Soft Skills)
• Problem Solving (Soft Skills)

Job Summary:

• Work daily with new loan applicants
• Identify credit-worthiness, screen credit applications and credit decisions
• Actively market a complete list of Business Banking Products and Services 
• Help create new marketing documents on various loan requests to the Loan Review Board
• Be an active point-person regarding community involvement
• Manage the creation of loan underwriting and closing documents
• Help with and be the point person on various collection issues
• Attend Internal Bank Meetings and share in the overall success of the entire organization
• Counsels members and applicants to promote other TDECU products and services.
• Act as liaison between the member and loan processing, underwriting, and document preparation.
• Monitor a portfolio of loans, processing routine servicing requests, loan renewals, extensions, and modifications for loans within the book of business.

Skills on Resume:

• Credit Assessment (Hard Skills)
• Marketing Strategy (Soft Skills)
• Loan Documentation (Hard Skills)
• Community Engagement (Soft Skills)
• Collections Management (Hard Skills)
• Communication Skills (Soft Skills)
• Portfolio Management (Hard Skills)
• Customer Service (Soft Skills)

Job Summary:

• Take applications for commercial loan business. 
• Review the customer's financial condition and assess the customer's ability to repay the loan.
• Make underwriting decisions within approval authority. 
• Complete or direct completion of all loan documents and close loans.
• Participate in developing lending and deposit business for the company. 
• Call on clients to expand existing business
• Call on prospects seeking opportunities to expand the company's client base.
• Monitor existing loan portfolio to maintain a high-quality asset base. 
• Maintain up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.
• Assist in the collection of past-due loans.
• Assist customers with any loan-related questions and concerns.
• Approve commercial loans within specified limits, and refer loan applications outside those limits to management for approval

Skills on Resume:

• Loan Application Processing (Hard Skills)
• Financial Analysis (Hard Skills)
• Underwriting Expertise (Hard Skills)
• Loan Documentation (Hard Skills)
• Business Development (Soft Skills)
• Client Relationship Management (Soft Skills)
• Portfolio Management (Hard Skills)
• Problem Solving (Soft Skills)

Job Summary:

• Generate new business through prospecting, outside calling, networking and referrals
• Structure loan terms with borrowers
• Collects initial loan documentation and coordinates with financial analyst
• Work with Credit Analyst credit presentations
• Develop and maintain strategic relationships with existing contacts, potential borrowers, members, and commercial realtors
• Develop and maintain the business lending function which will include originating business loans
• Maintain business relationships and a high level of service for business banking members
• Partner with the Member Services division to provide support and build member relationships
• Ensure compliance with all applicable laws, rules and regulations
• Review and coach the work of lower-level professionals within the team
• Growing the commercial loan portfolio and generating new lending opportunities.
• Ensure professional business relations with members, vendors, and trade professionals.

Skills on Resume:

• Prospecting Skills (Soft Skills)
• Loan Structuring (Hard Skills)
• Documentation Coordination (Hard Skills)
• Credit Analysis Collaboration (Soft Skills)
• Relationship Management (Soft Skills)
• Business Loan Origination (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Team Leadership (Soft Skills)

Job Summary:

• Responsible for maintaining overall credit union relationships with existing business members through an ongoing relationship management program.
• Solicit new business members for loan origination goals with a detailed business development program.
• Interview loan applicants, gather required information, and explain transaction details such as rates, terms and collateral requirements.  
• Compile, verify, and request additional information to approve or deny loan requests according to Credit Union Policy.
• Analyze business financial statements and income tax statements to determine financial standing.
• Has individual lending authority as approved by management and/or the business loan committee.
• Provide analytical analysis and Credit memo for initial Commercial Loan applications.  
• Make recommendations to management and/or the business loan committee on loans and communicate the conditions required to be satisfied for the approval of the loan.
• Verifies loan agreements are complete and accurate according to Policy.
• Perform Annual Loan Portfolio review for the Credit Committee.
• Train other BCU Departments regarding Business and Commercial Lending.
• Work as part of the Business Services Department team, assisting with business member service
• Input member information into various systems to set up, process and maintain the loan.
• Provide support to the Department Manager

Skills on Resume:

• Relationship Management (Soft Skills)
• Business Development (Soft Skills)
• Financial Analysis (Hard Skills)
• Loan Processing (Hard Skills)
• Credit Analysis (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Training and Mentorship (Soft Skills)
• Team Collaboration (Soft Skills)

Job Summary:

• Provide leadership in responding and managing customer requests
• Provide required financial information to the onsite Credit Department
• Actively participate and vote in weekly loan committee meetings
• Establish and maintain effective and professional business relationships with customers and trade professionals
• Work with the Business Development team to onboard new customers
• Market commercial loans and cross-sell other bank products and services.
• Maintain goodwill with customers and prospects
• Enhance the bank's profitability through a combination of loan pricing and initiating new banking transactions (primarily deposits)
• Review loan documentation to prepare for loan closings
• Review loan presentations for bi-monthly loan committee meetings
• Manage an assigned commercial loan portfolio
• Ensure that loans are closed in a time frame consistent with customers' expectations, with particular attention to matured notes
• Create and maintain a courteous and professional relationship with co-workers while maintaining timely and prompt daily attendance

Skills on Resume:

• Customer Relationship Management (Soft Skills)
• Financial Reporting (Hard Skills)
• Loan Committee Participation (Soft Skills)
• Professional Networking (Soft Skills)
• Business Development (Soft Skills)
• Product Cross-Selling (Soft Skills)
• Loan Portfolio Management (Hard Skills)
• Document Review (Hard Skills)

Job Summary:

• Follow all approved Commercial Loan procedures as explained and trained by the Commercial Loan Manager, Commercial Credit Officer and Chief Lending Officer.
• Perform all projects as requested by the Commercial Loan Manager
• Maintain ongoing communication with the Commercial Loan Manager, informing them of all pertinent problems, new developments, changes and other information.
• Maintain knowledge of loan programs (both Federal and State) including but not limited to SBA, B&I, and MBOI programs.
• Pursue Business Lending opportunities within the community, including analyzing potential loan markets and developing referral networks to locate prospects for loans.
• Pass on to other Lending personnel loans which would present a conflict of interest.
• Meet with applicants to obtain information for loan applications and to answer questions about the process
• Explain the different types of loans and credit options that are available, as well as the terms of those services.
• Obtain and compile copies of applicants' credit histories, corporate financial statements, and other financial information
• Analyze applicants' financial status, credit, and property evaluations to determine the feasibility of granting loans.
• Submit applications to credit analysts for verification and recommendation.
• Adhere to financial lending metrics as defined by the Commercial Credit Officer, Chief Lending Officer, Senior Management Team, Credit Committee and Board of Directors.

Skills on Resume:

• Loan Procedure Compliance (Hard Skills)
• Project Coordination (Soft Skills)
• Communication Skills (Soft Skills)
• Loan Program Knowledge (Hard Skills)
• Business Development (Soft Skills)
• Conflict Resolution (Soft Skills)
• Client Consultation (Soft Skills)
• Financial Analysis (Hard Skills)

Job Summary:

• Submit Commercial Loan applications that exceed specified limits to the Board of Directors
• Determine loan terms, amounts to be advanced and conditions of repayment.
• Maintain clear, concise and current Commercial Loan files
• Periodically review loan agreements to ensure that they are complete and accurate according to policy.
• Serve as primary contact with Commercial Loan Members throughout the lifetime of the loan.
• Stay abreast of all compliance and regulatory laws relating to Commercial Loan practices.
• Handle customer complaints and take appropriate action to resolve them.
• Work with the Collections Department about delinquent loans.
• Self-monitor to ensure timeliness and accuracy of work.
• Attend Commercial Loan Officer meetings
• Work proactively and positively with other Commercial Loan Department personnel to ensure a “team effort” and prompt Member service.
• Work effectively with all other Whitefish Credit Union personnel to ensure that the Commercial Loan Department functions appropriately about other departments.
• Comply with all BSA requirements as stated in the Whitefish Credit Union BSA Policy.

Skills on Resume:

• Loan Application Management (Hard Skills)
• Loan Structuring (Hard Skills)
• Documentation Maintenance (Hard Skills)
• Compliance Awareness (Hard Skills)
• Customer Relationship Management (Soft Skills)
• Problem Resolution (Soft Skills)
• Collaboration Skills (Soft Skills)
• Regulatory Compliance (Hard Skills)

Job Summary:

• Ensures the asset quality of the assigned loan portfolio. 
• Review delinquency reports with a direct supervisor to ensure proper collection efforts are being utilized to manage the credit risk of the portfolio. 
• Maintains low loan delinquency and ensures that there are no administrative past-due loans. 
• Communicate timely and in a comprehensive manner with their supervisor concerning any credit that is experiencing stress.
• Manages, supervises, and grows individual loan and commercial deposit portfolios. 
• Develops and maintains existing customer base and builds customer satisfaction and confidence in the Bank. 
• Works effectively with personnel in the Credit Administration Department.
• Solicits new customers and negotiates rate and loan terms (for both new and renewal loans) in a competitive and price-sensitive environment.
• Cross-sells other bank services to customers i.e. retail deposits, cash management, retail lending and wealth management services.
• Working with a predetermined lending limit analyzes customer credit requests
• Balance sheets and profit and loss statement
• Cash flow projections to make sound loan decisions and predict future repayment capacity. 
• Responsible for producing a complete loan approval document that recognizes relevant risks and mitigating factors associated with each credit request
• Coordinate with the Credit Administration Department 

Skills on Resume:

• Asset Management (Hard Skills)
• Credit Risk Analysis (Hard Skills)
• Portfolio Supervision (Soft Skills)
• Customer Relationship (Soft Skills)
• Loan Negotiation (Soft Skills)
• Cross-Selling (Soft Skills)
• Financial Analysis (Hard Skills)
• Credit Coordination (Soft Skills)

Job Summary:

• Interview commercial and other loan applicants, collect, and review financial and related data to determine the general creditworthiness of the prospect and the specific merits of the loan request.
• Establish and negotiate, where necessary, the terms under which credit will be extended, including pricing fees, repayment method and schedule, and collateral requirements.
• Approve creditworthy loans within the Bank’s loan policy and the officer’s lending limit.
• Collect and analyze information that reflects the current creditworthiness of customers and the current merits of new and existing loans. 
• Information may be obtained by direct inspection of the applicant’s business and/or collateral, review of financial reports and personal interview.
• Monitor loan repayment activities and take necessary action to collect from past due accounts.
• Present loan requests to the Directors’ Loan Committee when the proposed dollar value exceeds the lending authority of the officer.
• Develop new business by contacting prospects. 
• Cross-sell other Bank services when serving current or prospective customers.
• Participate in community activities to increase the Bank’s visibility and to enhance new business opportunities.
• Serve as a contact officer for non-borrowing accounts and loan customers for matters relating to other Bank activities.
• Complete commercial real estate construction loan inspections as required and before the release of any loan funds.

Skills on Resume:

• Credit Evaluation (Hard Skills)
• Loan Negotiation (Soft Skills)
• Credit Approval (Hard Skills)
• Financial Analysis (Hard Skills)
• Collections Management (Soft Skills)
• Business Development (Soft Skills)
• Cross-Selling (Soft Skills)
• Community Engagement (Soft Skills)

Job Summary:

• Achieve or exceed Credit Union’s commercial lending goals including originating, underwriting, documenting, and monitoring loans for and in the commercial loan portfolio.
• Effectively manages Commercial Lending, including Loan Officers
• Understands and can effectively apply commercial loan policies as well as evaluates and proactively responds to changes in regulatory, market, and competitive conditions
• Must maintain a strong working knowledge of commercial lending including structuring, underwriting, and documenting commercial loan transactions.
• Maintains awareness of changes in the commercial lending field, including government regulation, commercial needs and preferences, and relationship-enhancements
• Maintains a working knowledge of Small Business Administration (SBA) lending programs and regulations.
• Successfully monitors and provides exceptional loan service by accepting and acting on loan applications from members to increase and maintain favorable member service survey scores.
•  Maintains loan documents in compliance with policy and federal regulations with no exceptions.
• Coordinates all lending functions by communicating plans for successful business models, with the Chief Lending Officer
• Review and improve division policies, products, and procedures as they impact the lending function and general membership.
• Partners with the Chief Lending Officer to communicate new ideas, plans, and business models
• Review existing loan products for improvement or elimination to increase the Credit Union’s results and achieve strategic goals.

Skills on Resume:

• Commercial Lending (Hard Skills)
• Team Management (Soft Skills)
• Policy Application (Hard Skills)
• Regulatory Awareness (Hard Skills)
• SBA Program Knowledge (Hard Skills)
• Customer Service (Soft Skills)
• Compliance Monitoring (Hard Skills)
• Strategic Planning (Soft Skills)

Job Summary:

• Solution-based sales, delivering exceptional client service in every interaction.
• Providing clients with ease, value, and expertise by helping them get the credit they deserve.
• Developing strong partnerships with a line of business partners – focusing on client acquisition and deepening the relationship of current clients
• Effectively managing internal and external centers of influence.
• Calling on a book of business, setting appointments, following up on referrals, and going out into the field to obtain new business.
• Analyzing financial data and formally preparing a written review of the data to make internal loan decisions and for presentations to the Board of Directors.
• Ensuring compliance with operational, risk, security and audit procedures and policies including appropriate documentation of client interactions.
• All Seneca Savings team members are expected to act professionally at all times, conduct business ethically, avoid conflicts of interest
• Effectively measures levels of service, speed of delivery, and member satisfaction to establish metrics for standards of performance by staff and holds staff accountable for measured results.
• Participates in community affairs to increase Credit Union’s visibility and to enhance new business opportunities
• Resolves difficult client situations, including but not limited to items such as the collection of delinquent loans.
• Continually looks for opportunities to proactively upgrade and improve Bank administrative processes, technology, automation, and controls.

Skills on Resume:

• Solution-Based Sales (Soft Skills)
• Client Service (Soft Skills)
• Partnership Development (Soft Skills)
• Business Acquisition (Soft Skills)
• Financial Analysis (Hard Skills)
• Compliance Management (Hard Skills)
• Performance Measurement (Soft Skills)
• Community Engagement (Soft Skills)

Job Summary:

• Represents Westfield Bank to potential external customers to develop both commercial loan and business deposit services. 
• Lending authority is typically between $150,000 - $250,000.
• Utilizes loan pricing model to establish and maintain business relationships that meet or exceed the bank’s Return on Required Capital (RORC).
• Develops and maintains profitable customer relationships with business clients by providing financial advice and Bank solutions.
• Networks within the business/civic communities to create new sales and business development opportunities for the full range of Westfield Bank services.
• Creates and develops, under the general supervision of a market leader, flexible commercial lending solutions for customers.
• Utilizes prior banking/business experience, understanding of cash flow, and asset/liability valuation to analyze and recommend loan requests and set loan pricing options.
• Constructs, prepares, and presents financial reports, and credit summary memos that comply with Bank standards.
• Responsible for notifying leadership of changes in credit or relationships that affect loan quality and retention.
• Monitors and manages customer/loan relationships in assigned portfolios including obtaining and reviewing customer financial data.
• Calls (by phone and in-person) on customers, prospective clients, and centers of influence clients and tracks activity in the bank’s CRM system.
• May accompany market leader on client visits.

Skills on Resume:

• Customer Development (Soft Skills)
• Lending Authority (Hard Skills)
• Relationship Management (Soft Skills)
• Networking Skills (Soft Skills)
• Financial Advisory (Soft Skills)
• Loan Analysis (Hard Skills)
• Report Preparation (Hard Skills)
• Portfolio Management (Hard Skills)

Job Summary:

• Sources and closes new lending opportunities from their business network and other marketing channels, while developing and maintaining successful relationships.
• Interviews prospective borrowers to analyze financial and credit data, and determine customer financing objectives as well as general creditworthiness.
• Inspects CRE properties to help evaluate collateral value and to provide the company with ground-level due diligence.
• Advises customers of product/pricing policies and guidelines, and gathers any additional required information.
• Ensures exceptional customer experience by overseeing the loan process from origination to close while adhering to policies, procedures and regulatory requirements.
• Reviews development plans, construction agreements, sales contracts, and LOIs in the course of pre-qualifying bridge loan opportunities.
• Prepares PowerPoint slide deck presentations (e.g. Investment Memorandums, Asset Summary Reports, Senior Leadership Presentations, etc.)
• Manages accuracy of loan origination pipeline(s) and identifies trends in asset performance.
• Achieves established production goals.
• Demonstrates a commitment to professional ethics, complying with all Federal and State compliance policies.
• Ensures timely completion of credit file commentary and collection of annual financial information for analysis.
• Assist with the collection of delinquent or troubled credits to minimize delinquency levels and losses.

Skills on Resume:

• Lending Opportunities (Soft Skills)
• Financial Analysis (Hard Skills)
• Collateral Evaluation (Hard Skills)
• Customer Advising (Soft Skills)
• Loan Process Management (Hard Skills)
• Document Review (Hard Skills)
• Presentation Preparation (Hard Skills)
• Pipeline Management (Hard Skills)

Job Summary:

• Develops and services a wide variety of secured and unsecured loans or lines of credit, most of which involve large amounts of money and important customers.
• Attend to the needs of customers seeking loans or lines of credit on terms that involve significant amounts of unsecured funds and/or credit secured by mortgages or other collateral.
• Interview applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
• Guides the credit department or junior officers in the development and analysis of financial background data for new or renewed loans.
• Makes decisions on loans and terms within established lending limits, or makes recommendations to a superior.
• Follows current loans and credit lines to ensure complete compliance with terms.
• Gives financial advice and counsel to customers and prospective customers.
• Studies industrial, commercial, and financial situations relating to new or existing businesses.
• Makes recommendations on financial and organization structure, locations, and other matters on which the company may have information.
• Participates with senior officers on larger loans and lines.
• Keeps informed as to the status of loans in the department.
• Calls on potential or existing customers to develop new business and increase or retain existing business.

Skills on Resume:

• Loan Development (Hard Skills)
• Customer Engagement (Soft Skills)
• Applicant Interviewing (Soft Skills)
• Financial Analysis (Hard Skills)
• Credit Decision-Making (Hard Skills)
• Compliance Monitoring (Hard Skills)
• Financial Advising (Soft Skills)
• Business Development (Soft Skills)

Job Summary:

• Determining the financial strengths of the sponsor, property, market, and guarantor(s) and appropriately structuring the loan to mitigate risks.
• Preparing, presenting, and recommending loan requests for approval.
• Ensuring proper loan documentation is prepared and reviewed in accordance with UFCU and regulatory practices.
• Ensure compliance with lending policies, procedures, guidelines, and regulatory requirements to maximize efficiency through the loan origination process.
• Plan work and accomplish production goals based on experience and sound judgment.
• Serve as the primary point of contact for the Member throughout the life of the loan.
• Resolve immediate Member concerns and account issues
• Timely escalate more complex issues to Commercial Lending leadership
• Actively manage loan portfolio by enhancing the Member experience and monitoring risk.
• Actively deepen Member relationships by identifying financial needs and offering solutions.
• Conduct annual site visits of collateral property and assist the Loan Administration Team with any past-due financial reporting requirements.
• With the help of the Loan Servicing and Credit teams, actively manage past due payments, collect financial information, and assist with covenant compliance.
• Proactively identify credit issues early and work with the credit team to develop a strategy that best protects UFCU.

Skills on Resume:

• Risk Mitigation (Hard Skills)
• Loan Structuring (Hard Skills)
• Documentation Review (Hard Skills)
• Compliance Management (Hard Skills)
• Portfolio Management (Hard Skills)
• Customer Relations (Soft Skills)
• Problem Resolution (Soft Skills)
• Credit Issue Identification (Hard Skills)

Job Summary:

• Builds and manages a complex portfolio of CRE and C&I loans and related deposit relationships.
• Works closely with Portfolio Managers and Credit Analysts to provide complete application and supporting documentation to obtain loan approval. 
• Orders appraisals and environmental reports per bank policy and guidelines.
• Maintains timely renewals of maturing loans and monitors current loans and credit lines to ensure compliance with covenants, terms and conditions.
• Provides customers with loan commitments and works with commercial department support staff to coordinate timely closings of loans
• Ensures all conditions are documented per approvals.
• Assist the Loss Mitigation Specialist in the collection effort of problem loans as appropriate to reduce losses.
• Maintains awareness, understanding and compliance with the Bank's internal policies and procedures, laws and regulations appropriate for this position.
• Assists in response to regulatory and internal/external audit requests.
• Travels to perform other essential functions.
• Meets or exceeds established performance standards and objectives.
• Monitors work for accuracy and quality demonstrating a passion for excellence in every aspect of work.

Skills on Resume:

• Portfolio Management (Hard Skills)
• Documentation Coordination (Hard Skills)
• Compliance Monitoring (Hard Skills)
• Loan Renewal Management (Hard Skills)
• Customer Communication (Soft Skills)
• Loss Mitigation (Soft Skills)
• Audit Response (Hard Skills)
• Performance Excellence (Soft Skills)

Job Summary:

• Develop and maintain an active calling program for prospective new customers with a focus on smaller businesses.
• Review and evaluate customer applications for lines of credit or lines of credit extensions.
• Receive and screen loan applications
• Request credit status, banking, and other references conduct on-site inspections, and order appraisals
• Analyze the applicant's financial status, credit, and property evaluation and approve the loan within specified limits
• Refer larger loan requests to the loan committee for approval and communicate loan decisions to applicants.
• Direct and participate in the closing of approved commercial loan agreements.
• Maintain an active calling program on an existing portfolio of customers providing all necessary banking services including loans, deposits, cash management and investments services.
• Monitor and review assigned commercial loans on a regular and continuing basis
• Identify a problem or delinquent loan accounts
• Initiate appropriate corrective actions on delinquent accounts on a timely basis.
• Identify and manage call referrals/joint calls within the bank for other bank-related services for cross-selling opportunities.

Skills on Resume:

• Prospect Engagement (Soft Skills)
• Application Review (Hard Skills)
• Credit Analysis (Hard Skills)
• Loan Approval (Hard Skills)
• Loan Closing (Hard Skills)
• Portfolio Management (Hard Skills)
• Delinquency Management (Hard Skills)
• Cross-Selling (Soft Skills)

Job Summary:

• Represents the financial institution to the community through excellent customer relations.
• Represents the financial institution in public relations activities, Community Board memberships and other community affairs, participating in activities for generating new business.
• Helps to attain internal performance objectives for branch office business volume, deposits, loan portfolios and quality of audit reports.
• Prepares lending activity and Sales Funnel reports to be submitted to the SVP Senior Commercial Lending Officer and other internal reporting structures.
• Interview applicants for commercial loans.
• Analyzes and screens loan requests for all types of loans, presenting requests to management when the proposed loan is beyond departmental lending authority.
• Packages loans and recommends loan terms and conditions to Senior Management and Loan Committee
• Manages a portfolio of complex commercial loans. 
• Counsels loan customers on loan management and beneficial financial strategies.
• Supervises collection efforts on past due loans in the Lender’s portfolio, which may include collection of charge-offs, foreclosures, repossessions, and disposal of assets.
• Seeks referrals from existing customers.
• Directs and implements business development activities, such as calls on prospects, joint calls with branch staff and attendance at special events.
• Handles customer problems and complaints, and counsels customers with special needs or requests promptly and without delay.

Skills on Resume:

• Customer Relations (Soft Skills)
• Community Engagement (Soft Skills)
• Performance Management (Hard Skills)
• Report Preparation (Hard Skills)
• Loan Analysis (Hard Skills)
• Portfolio Management (Hard Skills)
• Business Development (Soft Skills)
• Problem Resolution (Soft Skills)

Job Summary:

• Regular travel to company and/or client locations and act as an advisor to less seasoned lenders
• Represent the Bank as a leader in the community
• In the performance of respective tasks and duties, the employee is expected to maintain knowledge of and ensure compliance with Bank Secrecy Act regulations 
• Adheres to compliance procedures and internal/operational risk controls by any and all applicable regulatory standards, requirements, and policies 
• Attend all required training sessions and complete all required online training courses. 
• Follows all applicable laws and regulations.
• Adhere to all company policies and act as a role model in the adherence to policies
• Keep abreast of regulatory changes to ensure compliance in the areas of job responsibilities
• Recommend improvements or changes for compliance and/or for department efficiency
• Regular and consistent attendance is required to continue the high standard of customer service as well as occasionally participating in before/after hours and/or weekend community events.
• Maintains a thorough knowledge of the Bank’s loan products and processing procedures for all Bank loan products
• Assist with the Bank’s overall growth goals by successfully promoting new business.

Skills on Resume:

• Travel Advisory (Soft Skills)
• Community Leadership (Soft Skills)
• Regulatory Compliance (Hard Skills)
• Policy Adherence (Hard Skills)
• Continuous Training (Soft Skills)
• Regulatory Awareness (Hard Skills)
• Process Improvement (Soft Skills)
• Product Knowledge (Hard Skills)

Job Summary:

• Generates new business opportunities within the bank's defined lending area to attract and retain quality clients.
• Effectively screens new loan applicants
• Collects and analyzes financial and related data to establish creditworthiness
• Ensures the timely submission of a complete application with supporting documentation to create a smooth process from application to loan closing.
• Able to negotiate credit terms & conditions and structure loans in compliance with bank policies.
• Provides timely completion of file comments upon receipt & review of annual financial information
• Promotes and sells related bank financial products and services as appropriate
• Develops and maintains a network of professional relationships for referrals
• Participates in community activities to promote and strengthen the image of the bank.
• Managing the credit quality of the existing portfolio
• Financial and background analysis of new commercial business loan requests and existing business loans.
• Financial review of existing commercial business loans.
• Provide a positive working team concept for branch and back office personnel.

Skills on Resume:

• Business Development (Soft Skills)
• Loan Screening (Hard Skills)
• Credit Analysis (Hard Skills)
• Loan Structuring (Hard Skills)
• Product Promotion (Soft Skills)
• Networking Skills (Soft Skills)
• Community Engagement (Soft Skills)
• Portfolio Management (Hard Skills)

Job Summary:

• Meets with applicants to obtain information for loan applications and to answer questions about the process. 
• Works with clients to identify their financial goals and to find ways of reaching those goals.
• Manages an agriculture and commercial loan portfolio with a total outstanding balance depending on experience.
• Explain to clients the different types of loans and credit options that are available, as well as the terms of those services.
• Provides advice to clients, upon request, in areas related to agricultural crop and livestock production, commercial business operations, sales and marketing, purchasing inputs, purchasing machinery and equipment, managing capital, cash flow management, and risk assessment.
• Obtains and compiles copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Analyze applicants' financial status, credit, and property evaluations to determine the feasibility of granting loans.
• Approves loans within specified limits, and refers loan applications outside those limits to management for approval.
• Communicates approvals or denials to the borrower.
• Review loan agreements to ensure that they are complete and accurate according to policy.
• Reviews and updates credit and loan files
• Collects past due loans and tracks delinquencies.

Skills on Resume:

• Client Consultation (Soft Skills)
• Financial Goal Setting (Soft Skills)
• Portfolio Management (Hard Skills)
• Loan Explanation (Soft Skills)
• Financial Advising (Soft Skills)
• Credit Analysis (Hard Skills)
• Loan Approval (Hard Skills)
• Delinquency Management (Hard Skills)

Job Summary:

• Handles client complaints and takes appropriate action to resolve them.
• May submit applications to credit analysts for verification and recommendation.
• Personally answers incoming phone calls and schedules appointments as well as answers client questions.
• Researches new legislation and regulations that may affect the bank's lending policies. 
• Ensures compliance with new rules by advising senior management and implementing appropriate changes.
• Stays abreast of new types of loans and other financial services and products to better meet clients' needs.
• Maintains and submits a source of business log monthly to the supervisor.
• Identifies potential clients, performs sales calls, and solicits new business.
• Actively participates in local business and community activities and maintains close contact with local builders, real estate brokers and agents, customers, and prospects.
• Responsible for generating treasury management relationships, deposit relationships, and fee income for the Bank.
• Has access to confidential information relating to customers and accounts. 
• Protects the privacy and confidentiality of customers, other employees, and work.
• Attends committee meetings.

Skills on Resume:

• Complaint Resolution (Soft Skills)
• Application Processing (Hard Skills)
• Client Communication (Soft Skills)
• Regulatory Compliance (Hard Skills)
• Product Knowledge (Hard Skills)
• Sales Prospecting (Soft Skills)
• Community Engagement (Soft Skills)
• Confidentiality Management (Hard Skills)

Job Summary:

• Participate in commercial and industrial business development activities with small to mid-sized business customers.
• Evaluate opportunities with effective and thorough relationship development, information gathering, and analysis of customer businesses
• Obtains all critical information to be used in decision-making.
• Timely, accurate, and high-quality preparation of Loan Committee presentations following established guidelines and internal policies. 
• Able to confidently present loan information to the committee and answer questions promptly and accurately.
• Analyze financial statements received from bank commercial loan customers. 
• Work with Credit Analysts regarding analyses and spreads on individual, partnership, and corporate commercial loan customers.
• Conduct loan closings professionally and accurately.
•  Ensure documentation is complete and all policies and guidelines are followed.
• Completely understand required regulations and relevance to the loan portfolio
• Explain regulations to customers with clarity and professionalism.
• Conduct consistent effective on-site with existing customers to cross-sell new business, collateral verification, and evaluation of existing credits.

Skills on Resume:

• Business Development (Soft Skills)
• Relationship Building (Soft Skills)
• Data Analysis (Hard Skills)
• Loan Presentation (Hard Skills)
• Financial Analysis (Hard Skills)
• Loan Closing (Hard Skills)
• Regulatory Knowledge (Hard Skills)
• Cross-Selling (Soft Skills)

Job Summary:

• Driving the loan execution process and timeline.
• Managing the KYC & AML processes for each loan.
• Instruction of property professionals including Lawyers, Valuers and Quantity Surveyors.
• Ensuring professional reports are received promptly.
• Become a center of excellence for internal data and payment systems.
• Working with the underwriting team to prepare the loan file for completion.
• Managing and ensuring accurate loan and borrower data.
• Managing the monthly drawdown process for existing loans with development facilities.
• Writing compliance papers for ‘Higher Than Average Risk’ loans and seeking approval from the MLRO.
• Assisting with Fund establishment and onboarding of institutional investor clients.
• Understands and complies with banking regulations by following bank policies and procedures. 
• Stays abreast of relevant regulations, current industry matters, and any changes implemented internally to ensure compliance.

Skills on Resume:

• Loan Processing (Hard Skills)
• KYC/AML Compliance (Hard Skills)
• Professional Liaison (Soft Skills)
• Report Coordination (Hard Skills)
• Data Management (Hard Skills)
• Underwriting Support (Soft Skills)
• Drawdown Oversight (Hard Skills)
• Regulatory Compliance (Hard Skills)

Job Summary:

• Communicate regularly and effectively with existing customers to anticipate any needs the client may have and prevent any issues that could be detrimental to the relationship.
• Effectively and routinely solicit new credit relationships and accounts including deposit accounts. 
• Negotiate loan terms with clients, perform credit analysis/reviews of credit requests, and determine effective repayment plans.
• Manage risk within the existing portfolio by addressing any specific customer situations with tact and effective action plans, conduct site reviews
• Work effectively with the bank’s senior lender and other support resources within the bank such as compliance, management, and operations 
• Regard any loan-related situations/processes/procedures.
• Create, manage, and maintain credit files for portfolio.
• Participate in various community and civic activities on behalf of the bank.
• Work within all laws, regulations, policies and procedures outlined by all regulatory policies and the bank.
• Act as a team member who works towards a common mission with the shared goals of other bank employees and the bank shareholders.
• Work effectively with the lending team and other bank staff regarding timely and accurate loan document preparation, customer contact and overall productivity.
• Understand and follow TransPecos Banks' Loan Policy as well as all established lending procedures and guidelines regarding the loan portfolio.

Skills on Resume:

• Customer Communication (Soft Skills)
• New Business Development (Soft Skills)
• Loan Negotiation (Hard Skills)
• Risk Management (Hard Skills)
• Collaboration Skills (Soft Skills)
• Credit File Management (Hard Skills)
• Community Engagement (Soft Skills)
• Regulatory Adherence (Hard Skills)