Commercial Loan Officer II

First Mid Bank & Trust•Peoria, IL

21h

About The Position

Responsible for business development in the community and surrounding area with particular emphasis on commercial lending. Develop and increase the portfolio of commercial, agricultural, retail, and residential loans while adhering to high credit quality standards. Responsibilities also include maintaining an appropriate level of community involvement and visibility. Maintains close working relationship with the Chief Lending Officer, Senior Lender, Chief Credit Administration Officer, Chief Retail Lending Officer and Loan Operations Manager. Function as a liaison with Community Advisory Board as appropriate.

Requirements

Bachelor’s degree in Finance or equivalent with additional specialized training in commercial lending and overall bank management.
3+ years of experience in commercial lending with relevant knowledge of CRE and C&I lending.
Thorough knowledge of Company’s products and services and related charges.
High level of interpersonal skills to interact with customers and potential customers in a professional manner.
High level of analytical skills to conduct loan analysis and maintain loan’s progress in consideration of market trends, credit/interest rates, economic conditions and other factors.
Adequate knowledge of both internal policies and procedures and the respective state and federal laws and regulations governing departmental functions to ensure performance of individual job duties within the proper control environment.

Responsibilities

Ensures the asset quality of the assigned loan portfolio. Reviews delinquency reports with direct supervisor and direct reports to ensure proper collection efforts are being utilized to manage the credit risk of the portfolio.
Supervises and manages direct reports. Provides direction and leadership to loan officers and support staff to ensure that asset quality, growth, and fee income goals are obtained.
Manages individual loan portfolios. Develops and maintains existing customer base and builds customer satisfaction and confidence in the Bank. Cross-sells bank product and services in a professional manner.
Working with a predetermined lending limit, analyzes customer credit applications, balance sheet, profit and loss statement; and cash flow projections in order to make sound loan decisions and predict future repayment capacity. Makes recommendations to the loan committee on new and renewal loans for amounts above lending limits. Ensures that comprehensive and timely information is collected from loan customers. Coordinates these efforts with personnel in the Credit Analysis Department.
Communicates with appropriate supervisory personnel and/or Regional President on regular basis on loan issues and community activities. Responsible for reporting all operational and lending issues that deviate from established policies and procedures to their supervisor.
Works closely with the retail deposit staff to promote community wide performance and service delivery.
Represents the Bank and provide leadership in key community activities and committees.
Participates in professional associations, attend conventions, conferences and seminars.
Completed required training associated with job function.
Performs related duties as needed.