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Title

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Commercial Lending Officer

Description

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We are looking for a Commercial Lending Officer to join our dynamic team. In this role, you will be responsible for managing and expanding a portfolio of commercial loans, ensuring compliance with regulatory standards, and fostering strong relationships with clients. The ideal candidate will have a deep understanding of financial products, risk assessment, and credit analysis, as well as excellent interpersonal and negotiation skills. You will work closely with businesses to understand their financial needs and provide tailored lending solutions that align with their goals. This position requires a proactive approach to identifying new business opportunities, maintaining high levels of customer satisfaction, and contributing to the overall growth of the organization. As a Commercial Lending Officer, you will play a critical role in supporting businesses within the community, helping them achieve their financial objectives while ensuring the bank's profitability and risk management. If you are a results-driven professional with a passion for finance and a commitment to excellence, we encourage you to apply.

Responsibilities

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  • Develop and manage a portfolio of commercial loans.
  • Analyze financial statements and assess creditworthiness of clients.
  • Provide tailored financial solutions to meet client needs.
  • Ensure compliance with regulatory and internal policies.
  • Identify and pursue new business opportunities.
  • Maintain strong relationships with existing clients.
  • Collaborate with internal teams to streamline loan processes.
  • Monitor loan performance and address potential risks.

Requirements

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  • Bachelor's degree in Finance, Business, or related field.
  • Proven experience in commercial lending or banking.
  • Strong knowledge of financial analysis and credit assessment.
  • Excellent communication and negotiation skills.
  • Ability to build and maintain client relationships.
  • Proficiency in financial software and tools.
  • Attention to detail and strong analytical skills.
  • Understanding of regulatory requirements in the banking sector.

Potential interview questions

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  • Can you describe your experience with commercial lending?
  • How do you assess the creditworthiness of a client?
  • What strategies do you use to build strong client relationships?
  • How do you handle challenging loan applications?
  • Can you provide an example of a successful loan deal you managed?