Commercial Lender

Company: Gulf Coast Bank & Trust
Location: Baton Rouge
Posted on: August 5, 2022

Job Description:

Description
SummaryTo develop and manage commercial loan accounts which meet established lending requirements and provide maximum profitability to the bank with a minimum of risk; to cross-sell other bank services and products.
Responsibilities

• Solicits commercial loans and commercial real estate loans.
• Obtains necessary documentation related to loan applications.
• Prepares loans for presentation to Loan Committee.
• Performs credit and financial analysis of loan applications.
• Services all types of commercial and commercial real estate loans including but not limited to obtaining current financial information, obtaining insurance and tax information, collecting past due payments.
• Develops new business by contacting prospects and customers.
• Counsels with and assists in the training and development of Commercial Loan Representatives.
• Cross sells bank products and services.
• Interviews loan applicants and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.
• Establishes and negotiates where necessary the terms under which credit will be extended, including the costs, repayment method and schedule and collateral requirements.
• Monitors loan repayment activities and takes necessary action to collect from past due accounts.
• Performs other duties and special projects as needed.
• May provide functional supervision for loan administrative personnel.
• Cross trains and supports other positions as needed.Salary commensurate with experience and production. Requirements
  
  • Four Year College degree in Finance, Accounting, Economics, or related field of study.
  • Three to five years of experience.
  • Credit Analysis training.
  • Familiarity with loan documentation and compliance regulations.
  • Excellent customer service skills.
  • Knowledge of bank products.
  • Negotiation skills.
  • Excellent written and oral communication skills.
  • Attention to detail.
  • Ability to meet deadlines.
  • Ability to prioritize and handle multiple clients.
    
    

Keywords: Gulf Coast Bank & Trust, Baton Rouge , Commercial Lender, Other , Baton Rouge, Louisiana