Commercial Loan Officer
About The Position
Founded in 1956 by Gordon Blunden, Provident Savings Bank was built on a simple but powerful vision: create a lasting business that serves the community for generations. Today, we continue that mission by delivering exceptional financial services with integrity, personalized attention, and a genuine commitment to our customers and neighbors. We believe our people are our greatest asset. That’s why we foster a supportive, team-oriented environment where employees are empowered to grow professionally, build meaningful relationships, and make a positive impact in the community.
Requirements
- Business degree preferred; or completion of real estate finance, appraisal, and principles courses; or a minimum of three (3) years of experience in commercial lending functions.
- Strong working knowledge of commercial lending procedures
- Thorough understanding of equal credit and equal lending regulations
- Excellent financial analysis skills and strong numerical aptitude
- Exceptional attention to detail and organizational skills
- Effective verbal and written communication abilities
- Proven ability to build rapport with clients and internal stakeholders
- Proficiency in Microsoft Word, Excel, and Outlook
Responsibilities
- Solicit, originate, and coordinate the closing of commercial real estate loans.
- Serve as the primary contact for commercial loan clients, brokers, developers, and contractors.
- Proactively develop new commercial lending relationships and expand existing ones.
- Represent the bank professionally in business development efforts.
- Interview applicants to assess creditworthiness, stability, earnings, and project viability.
- Obtain and analyze financial and credit data for all partners involved in loan projects.
- Arrange for property appraisals and feasibility studies when required.
- Evaluate vacancy factors, collateral, partnership structures, and risk indicators.
- Maintain strict confidentiality of all financial and loan data.
- Ensure commercial loan packages are complete and compliant with: Bank underwriting guidelines Regulatory requirements Secondary market lending parameters
- Present qualified loan projects to Loan Committee.
- Notify applicants when requests do not conform to current lending guidelines.
- Maintain current knowledge of commercial lending products and regulations.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Number of Employees
11-50 employees
