Commercial Lender/Business Development Officer
Company: First Sentinel Bank
Location: Johnson City
Posted on: May 28, 2023
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Job Description:
Job Summary:Provides service to existing and prospective small
business and commercial customers seeking lending solutions for
their businesses. Develops relationships with small
businesses/commercial prospects and identifies opportunities to
convert them to customers. Processes and approves or rejects
commercial loans based on established lending requirements.Specific
Job Functions:Actively participates in business development calling
program in in accordance with individual performance goals.Maintain
comprehensive knowledge of the Bank Secrecy Act, Customer
Identification Program, USA Patriot Act, OFAC, Fair Lending
Act.Follow established lending policies, procedures, objectives,
and quality standards to ensure consistent compliance with First
Sentinel Bank, state, and federal regulations.Sales and Service
responsibilities:Interview loan applicants and collect and analyze
financial and related data to determine creditworthiness of
applicant and merits of loan request; orders credit
reports.Correspond with customers, applicants or creditors to
resolve questions regarding application information.Establish and
negotiate the terms of extension of credit, including costs,
repayment method and schedule and collateral requirements to ensure
policy compliance.Approve loans up to authorized limit (operates
with limited credit authority).Develop and maintains interest rate
structure that is consistent with financial institution policies
and is competitive with current market.Review developing laws and
regulations as they apply to installment loan security
agreements.Monitor loan repayment activities and hand off to
collections department as necessary.Business development
responsibilities:Contact customers and prospects regularly to
establish or strengthen client relationships.Develop business
relationships and effectively communicate to pursue leads, close
business, and cross-sell business services.Consistently meet
established calling and referral targets.Represent First Sentinel
Bank in public relations activities and community affairs. Actively
participate in community events and organizations.KSAs (Knowledge,
Skills, Abilities)Thorough knowledge of all First Sentinel Bank
small business and commercial loan products.Knowledgeable and
proficient in customer service and consumer/commercial lending
roles.Willingness to take on new responsibilities and roles as
needed.Ability to analyze, underwrite and approve or decline loan
requests.Sales/Service skills - Knowledge of bank products and
services, sufficient to identify and fill customer and prospect
needs, conduct sales/service dialogue with customers and prospects,
and/or refer quality business.Knowledgeable of the local
community-industries, economic base, culture, key leaders,
competitors, etc.Sales/Service Leadership capabilities - Sales
management and coaching skills - Good role model with motivational
and/or training skills and abilities.Ability to understand,
implement and maintain Bank policies and procedures to ensure
operational efficiency and regulatory compliance.Ability to speak
with confidence one-on-one and in small group meetings or
presentations.Ability to work with limited or no direct
supervision.Ability to think and act independently within
guidelines and limitations of Bank policy and assigned personal
authority.Present a professional, business-like manner and
appearance.Team oriented yet entrepreneurial style - sees the
branch as a stand-alone franchise, while recognizing the need to
work within corporate standards and guidelines.Ability to quickly
gain credibility as a leader - i.e. to "sell" himself/herself to
internal peers and employees in order to get the cooperation
necessary to achieve Bank goals/objectives.Focus/desire to provide
excellent customer service.Additional Requirements (Education,
Experience)Bachelor's degree or equivalent experience in finance,
business administration, or other related field.At least 3 years of
experience in a financial institution or loan setting.Ability to
recognize and focus on critical sales and service issues. Ability
to balance and respond to competing role and organizational
needs.Superior communication and negotiation skills. Ability to
communicate effectively across a broad base of internal/external
customers.Capable user level knowledge of First Sentinel Bank
computer systems and technology, including word-processing,
spreadsheets, Internet and internal software.Must be able to
occasionally travel for training or other business-related
matters.
Keywords: First Sentinel Bank, Johnson City , Commercial Lender/Business Development Officer, Other , Johnson City, Tennessee
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