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Posted: Sunday, March 12, 2017 7:23 PM

The position of Loan Officer is responsible for soliciting, negotiating, underwriting and coordinating the closing of difficult to complex residential, equipment, SBA, commercial building and business loans in compliance with the BankA?s lending policies and procedures. The Loan Officer is responsible for developing business checking and deposit relationships with customers; and promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The position of Loan Officer III assists in attaining established Bank, region and branch goals through active participation in sales management and officer call programs. Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the BankA?s products and terviews prospective applicants and requests specified information related to loan or credit application; corresponds or re:interviews applicants to resolve questions regarding application information.Performs pre:qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee.Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.Ensures that certification or deletion of collateral is made by the appropriate personnel.Negotiates, underwrites and processes renewals of credit facilities.Approves loan payments, draws from lines of credit, and fund transfers within specified limits.Authorizes commitment, engagement, and action and decline letters.Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.Consistently applies good decision making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.Verifies funds with mortgage companies and contractors.Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition.Represents the Bank in various, civic, community development, and CRA functions to further enhance the BankA?s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits.Provides deposit and loan account ratings.Cross:sells the BankA?s other products and services, referring customers to appropriate staff as indicated.Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge:offs to ensure all possible precautionary actions or measures are taken.Assists in meeting annual deposit and loan growth goals assigned by senior management; participates in various internal committees assigned by senior management.Understands business implications of decisions; displays orientation

Source: https://www.tiptopjob.com/jobs/64763803_job.asp?source=backpage


• Location: Las Vegas

• Post ID: 25576840 lasvegas
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