Commercial Loan Officer
Company: Fresno First Bank
Location: Fresno
Posted on: May 14, 2022
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Job Description:
At Fresno First Bank, we truly believe that our people are our
greatest asset - and we treat them as such. We offer exciting and
interesting opportunities for dedicated, hard-working
professionals. If you share our values and passion for providing
clients with opportunities to achieve their aspirations and
personal success.Our Values:Teamwork: We all pitch in to provide
the high caliber service our customers deserve. We have to trust
and rely on each other to execute our work with purpose and
efficiency - however difficult the task might be. We are constantly
thinking about the next step and the next
opportunity.Relationships: Building mutually beneficial
relationships is crucial to the long-term success of our
organization. By immersing ourselves in the business ventures we
empower, we come to understand our customers as people with real
human needs rather than just numbers.Authentic: We say what we
mean, and we mean what we say. Internally that means holding each
other accountable and owning up to mistakes. It also means being
straight forward with customers.Commitment: Our pride of ownership
is strong. Every day, we bring our best in order to support our
customers and represent the bank.Employment with Fresno First Bank
will allow you to earn competitively, grow professionally and enjoy
a collaborative and compassionate culture that rewards good ideas,
good work, and initiative.The Commercial Loan Officer is
responsible for soliciting, negotiating, underwriting and
coordinating the closing of equipment, commercial building and
business loans in compliance with the Bank's lending policies and
procedures; develops business checking and deposit relationships
with customers; and promotes business for the Bank by maintaining
good customer relations and referring customers to appropriate
staff for new services. The position of Commercial Loan Officer is
responsible for assisting in attaining established Bank goals
through active participation officer calling programs, and provides
guidance and support to less experienced loan officers and other
staff members.Job DutiesEngages in business development activities
and solicitation of new business; actively involved in the sales
environment.Interviews 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.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.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, auction, and decline
letters.Contributes to the overall profitability of the branch and
region; implements costs controls, income generation, and branch
and region marketing efforts; monitors expenses to ensure
compliance with budget.Reinforces the application of superior
customer service through his or her own example along with
appropriate follow through with involved customers and
employees.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 community, civic, and
community reinvestment functions to further enhance the Bank'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 Bank'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.Directly responsible in meeting
annual deposit and loan growth goals assigned by Senior
Management.Provides leadership and training to less experienced
loan officers and other staff members.Participates with Senior
Management with developing, analyzing and finalizing major and
complex loan agreements with representatives of large businesses;
participates in various internal committees assigned by Senior
Management.Responds to inquiries or refers inquiries to the
appropriate department or person, and exhibiting the necessary
follow through with customers and/or staff involved.Consistently
applies superior decision making techniques pertaining to
inquiries, approvals and requests as they apply to existing
policies and procedures, keeping within assigned approval limits
and using these instances as learning tools for employee
development.Assumes responsibility for special projects; gathers
data and prepares reports for Senior Management, audits and other
personnel.Plays a positive role in the development and growth of
assigned branch staff through excellent communication skills, both
verbal and written, along with strong delegation skills assuring a
highly cross trained staff.Processes, solves and answers complex
customer transactions, problems or inquiries.Operates computer
terminal or personal computer to process account activity,
determine balances and resolve problems within given
authority.Answers telephones, answers questions and directs callers
to proper Bank personnel.Assumes responsibility for various branch
functions in the absence of staff members or in overload
situations.Treats people with respect; keeps commitments; inspires
the trust of others; works ethically and with integrity; upholds
organizational values; accepts responsibility for own
actions.Demonstrates knowledge of and adherence to EEO policy;
shows respect and sensitivity for cultural differences; educates
others on the value of diversity; promotes working environment free
of harassment of any type; builds a diverse workforce and supports
affirmative action.Follows policies and procedures; completes
administrative tasks correctly and on time; supports the Bank's
goals and values; benefits the bank through outside
activities.Performs the position safely, without endangering the
health or safety to themselves or others and will be expected to
report potentially unsafe conditions. The employee shall comply
with occupational safety and health standards and all rules,
regulations and orders issued pursuant to the OSHA Act of 1970,
which are applicable to one's own actions and
conduct.Requirements:These specifications are general guidelines
based on the minimum experience normally considered essential to
the satisfactory performance of this position. The requirements
listed below are representative of the knowledge, skill and/or
ability required to perform the position in a satisfactory manner.
Individual abilities may result in some deviation from these
guidelines.Bachelor's degree (BA) or equivalent from an accredited
college or university; 5 years related experience and/or training;
or the equivalent combination of education and experience. Work
related experience should consist of a financial analyzing or
lending background. Educational experience, through in-house
training sessions, formal school or financial industry related
curriculum, should be business or financial industry
related.Advanced experience, knowledge and training in financial
statement and tax return analysis typically resulting from a
combination of education in accounting, financial and/or credit
analysis or related areas.Mastered experience, knowledge and
training in all lending activities and terminology.Mastered
knowledge of commercial, construction, real estate and consumer
loan processing.Advanced knowledge of related state and federal
lending and compliance regulations, and other Bank lending
policies.Proven ability to develop marketing and business
development skills with customers.Intermediate knowledge of branch
operation procedures, Bank products and services.Ability to read,
analyze and interpret general business periodicals, professional
journals, and technical procedures.Intermediate skills in computer
terminal and personal computer operation; mainframe computer
system; word processing, spreadsheet and specialty software
programs.Intermediate typing skills to meet production needs of the
position.Advanced math skills; ability to calculate interest,
commissions, proportions, and percentages; balance accounts; add,
subtract, multiply and divide in all units of measure, using whole
numbers, common fractions and decimals; locate routine mathematical
errors; compute rate, ratio and percent, including the drafting and
interpretation of bar graphs.Exceptional verbal, written and
interpersonal communication skills with the ability to apply common
sense to carry out instructions and instruct others, train
personnel, write reports, correspondence and procedures, speak
clearly to customers and employees.Ability to deal with complex
problems involving multiple facets and variables in
non-standardized situations.Ability to work with no supervision
while performing duties.Current California driver's license and a
vehicle with appropriate insurance coverage if required to drive in
the course of performing assigned duties and
responsibilities.PI174691185SDL2017
Keywords: Fresno First Bank, Fresno , Commercial Loan Officer, Accounting, Auditing , Fresno, California
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