Commercial Lender - McCracken Market Nov 6, 2024

Community Financial Services Bank

Full-time - Mid Level

Credit Intermediation and Related Activities

About the position

The Commercial Lender at Community Financial Services Bank is responsible for developing and managing new commercial loan business within the McCracken Market. This role involves building and maintaining relationships with clients, analyzing credit histories, negotiating loan terms, and ensuring compliance with banking regulations. The position requires active participation in community events and collaboration with internal teams to drive business growth.

Responsibilities

• Develops and manages new commercial loan business in the assigned market
• Retains and strengthens current relationships and seeks to develop new business through various channels
• Analyzes applicant's credit history and loan repayment capability
• Negotiates credit terms such as loan repayment methods and collateral specifications
• Develops and maintains interest rate structure consistent with bank policies and competitive market rates
• Evaluates potential client loan requests
• Keeps documentation exceptions to a minimum
• Maintains a diligent collection effort to keep past dues at an acceptable level
• Actively participates in local business and community events
• Attends team and bank meetings as scheduled
• Adheres to compliance with all federal bank regulations and laws

Requirements

• Bachelor's Degree in business, finance or related field or equivalent experience
• Five years' previous commercial lending experience
• Proven track record of managing relationships and developing new business
• Knowledge of lending policies, procedures and regulations
• Strong financial analysis abilities
• Solid credit administration skills
• Excellent communication skills and sales ability
• Willingness to work flexible and extended hours

Benefits

• Competitive salary
• Opportunities for professional development
• Participation in community events