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Title
Text copied to clipboard!Commercial Lending Officer
Description
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We are looking for a highly motivated and experienced Commercial Lending Officer to join our dynamic team. The ideal candidate will be responsible for managing and growing a portfolio of commercial loans, ensuring compliance with regulatory requirements, and providing exceptional customer service. This role requires a deep understanding of financial analysis, risk assessment, and credit underwriting. The Commercial Lending Officer will work closely with clients to understand their financial needs and provide tailored lending solutions. The successful candidate will have strong communication and negotiation skills, a keen eye for detail, and the ability to work independently as well as part of a team. This position offers a unique opportunity to contribute to the financial success of our clients and the growth of our organization. If you are a results-driven professional with a passion for finance and a commitment to excellence, we encourage you to apply.
Responsibilities
Text copied to clipboard!- Manage and grow a portfolio of commercial loans.
- Conduct financial analysis and risk assessment for loan applications.
- Ensure compliance with regulatory requirements and company policies.
- Provide exceptional customer service to clients.
- Develop and maintain strong relationships with clients and stakeholders.
- Prepare and present loan proposals to the credit committee.
- Monitor loan performance and take appropriate action on delinquent accounts.
- Collaborate with other departments to ensure seamless service delivery.
- Stay updated on industry trends and market conditions.
- Participate in business development activities to attract new clients.
- Review and analyze financial statements and credit reports.
- Negotiate loan terms and conditions with clients.
- Prepare and maintain accurate loan documentation.
- Provide guidance and support to junior lending officers.
- Attend networking events and industry conferences.
- Conduct site visits to assess collateral and business operations.
- Assist in the development and implementation of lending policies and procedures.
- Ensure timely and accurate reporting of loan activities.
- Handle customer inquiries and resolve issues promptly.
- Maintain confidentiality of client information.
Requirements
Text copied to clipboard!- Bachelor's degree in Finance, Accounting, Business Administration, or related field.
- Minimum of 5 years of experience in commercial lending or related field.
- Strong understanding of financial analysis and credit underwriting.
- Excellent communication and negotiation skills.
- Proven ability to manage and grow a loan portfolio.
- Knowledge of regulatory requirements and compliance standards.
- Strong analytical and problem-solving skills.
- Ability to work independently and as part of a team.
- Proficiency in financial software and Microsoft Office Suite.
- Attention to detail and strong organizational skills.
- Ability to handle multiple tasks and meet deadlines.
- Customer-focused with a commitment to providing exceptional service.
- Strong interpersonal skills and ability to build relationships.
- Experience in preparing and presenting loan proposals.
- Ability to travel for client meetings and site visits.
- Knowledge of industry trends and market conditions.
- Experience in business development and networking.
- Ability to handle confidential information with discretion.
- Strong work ethic and professional demeanor.
- Certification in commercial lending or related field is a plus.
Potential interview questions
Text copied to clipboard!- Can you describe your experience in managing a commercial loan portfolio?
- How do you conduct financial analysis and risk assessment for loan applications?
- What strategies do you use to ensure compliance with regulatory requirements?
- Can you provide an example of a challenging loan negotiation you handled?
- How do you build and maintain relationships with clients and stakeholders?
- What steps do you take to monitor loan performance and address delinquent accounts?
- How do you stay updated on industry trends and market conditions?
- Can you describe a time when you successfully developed a new client relationship?
- How do you handle multiple tasks and prioritize your workload?
- What is your approach to providing exceptional customer service?
