VP/C&I Commercial Loan Officer

This position requires the employee to identify, acquire, and grow new and existing profitable business relationships with small to medium sized businesses that create value for the customer which yields net new commercial loan growth with new to bank deposit balances for the organization. The position of C&I Commercial Loan Officer encompasses full banking relationship management of all commercial clients maintained by the C&I Commercial Loan Officer.

Follow prescribed daily regimen of prospecting activities targeting prospective borrowers including commercial property buyers, owners, real estate agents, mortgage brokers, CPA's, attorneys and bank personnel in assigned branches pursuant to sales leads and referrals intended to generate new loans and deposits. Completes required tracking mechanism for sales activity.
• Primarily sell owner occupied commercial mortgages, secured and unsecured lines of credit, and commercial term loans, but will also, at times, refer Investment CRE loans opportunities and Residential Mortgage or Home Equity loan opportunities.
• Develops and retains commercial business, meeting with prospects and customers with average to significant complexity and dollar size in keeping with authorized levels of authority.
• Manages existing portfolios, monitoring the financial condition of account in relation to acceptable risk including: timely written loan renewal request presentations, diligent collection of past due payments, regular documented site visits as well as maintaining properly documented and up to date loan files.
• Attends 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.
• Interviews prospective commercial loan applicants to develop information concerning their business needs, desires, capabilities and earnings.
• Provides financial advice and counsel to customers and prospective customers.
• Manages all phases of the sales life cycle including but not limited to lead generation and sourcing, relevant systems, loan policies and structure, product knowledge, and financial analysis.
• Utilizes decision making tools and credit analysis skills to make appropriate credit and structuring decisions.
• Completes all required paperwork and forms in a timely and accurate manner; prepares all required reports.
• In the performance of respective duties, must maintain knowledge of and ensure compliance with Bank Secrecy Act regulations and all other regulatory, security and bank policies.
• Participates in weekly team meetings to report status on leads and new business development.

• Five to seven years related experience or equivalent.
• Bachelor's degree in related field or