Commercial Lending Officer

First Financial Corporation Indiana - Bowling Green, KY

Full-time - Mid Level

Bowling Green, KY

Rental and Leasing Services

About the position

The Commercial Lending Officer is responsible for originating, underwriting, closing, and servicing commercial loans. This role involves developing and cultivating long-term customer relationships while managing risk by ensuring compliance with lending policies, corporate policies, and governmental laws and regulations. The position requires accountability for account maintenance of existing customers and new business development, demonstrating appropriate sales behaviors.

Responsibilities

• Loan origination - provide information to the applicant regarding bank policy, complying with all rules and regulations, and to obtain explicit and sufficient verifiable information for a final qualified approval or denial decision.
• Loan underwriting - review applications and appropriate documentation for a loan approval or denial decision including analyzing all pertinent financial data and evaluating the adequacy of any collateral. Determine appropriate loan structure.
• Loan closing - carry out all transactions, from commitment to the signing and consummation, disbursing loan proceeds, necessary to comply with all laws and regulations, all requirements necessary to secure any collateral being pledged.
• Monitor Bank procedures to ensure proper attachment and perfection of collateral as required under Bank policy.
• Represent the organization with customers, the financial community and the public as required to maintain an appropriate corporate image for First Financial Bank.
• Cross-sell additional banking products when appropriate.
• Assist customers in making appropriate buying decisions.
• Demonstrate appropriate knowledge of features and benefits of all accounts.
• Develop and maintain a loan portfolio referral system for qualified customers.
• Develop and expand customer call plans for assigned client base and for prospective clients.
• Review business trends and advise clients regarding expected fluctuations and economic changes.
• Conduct sales presentations to existing and potential clients.
• Maintain active and up-to-date customer files for assigned clients and prospective clients.
• Perform other related duties as required or assigned.

Requirements

• Bachelor's degree in a business related field is required. A Bachelor's in Finance or Accounting is preferred.
• Four to seven years of Commercial Lending experience required.
• Knowledge and understanding of analyzing cash flow from tax returns, as well as personal financial statements and credit reports is required.
• A working knowledge of AS 400 is preferred.
• Strong Microsoft Word, Excel, and Powerpoint skills are required.
• Ability to manage a heavy workload, manage multiple projects, and work effectively with others to produce results in a team environment.
• Proven experience demonstrating the development of customer relationships, the cultivation of referral sources, and the development of new account relationships.
• Excellent problem solving and interpersonal skills.
• Strong written and oral communication skills.