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Senior Lending Officer

Job Description

The Senior Lending Officer shall be responsible for the development and maintenance of credit and non-credit relationships with customers, corporate accounts and potential customers while rendering quality service in accordance with bank goals to attain growth, profitability, maintain credit quality and customer satisfaction.

 

Essential Duties and Responsibilities

  • Solicit new customer relationships through referrals, research and/or requests from new and existing customer base.
  • Provide an independent and objective assessment associated with revolving lines of credit, term loans, including income producing properties, consumer loans, and make recommendations ensuring that all required documentation is obtained to conduct a thorough analysis of the loan request.
  • Draft Loan Officer Memorandums and work with the Credit Analyst to complete the requisite loan proposals, renewals and annual reviews while identifying strengths, weaknesses, repayment ability, and collateral adequacy.
  • Promote and cross-sell other bank products.
  • Participate in activities for generating new business to include networking events, community involvement, and calling on existing and potential customers outside the bank.
  • Daily management of a loan portfolio, renewals, collection and closing of loans.
  • Perform site visits to new and existing businesses.
  • Provide and maintain a professional and business- like atmosphere within the Lending and Credit Department.
  • May perform other duties and responsibilities as needed and requested by Bank Management.
  • Adherence to all Federal and State banking regulations.
  • Satisfactorily complete compliance training as required by Bank Management on an annual basis.

 

Required Skills

  • Formal credit training preferred.
  • Knowledge of Asset Based Lending/Commercial/Income Producing real estate preferably in assigned market; financial statement analysis and credit structuring.
  • Strong verbal and written communications skills.
  • Strong interpersonal, organizational, sales and analytical skills.
  • PC proficient in Microsoft Office applications including WORD and Excel.
  • Detail-oriented with good organizational and effective judgment skills.

 

Required Experience

  • Bachelor’s degree, preferably in Business Administration, Economics, Finance or commensurate banking experience.
  • Minimum of five years banking experience with commercial and/or consumer lending experience.
  • Valid drivers’ license and automobile insurance.
  • This position may be subject to SAFE Act Registration Requirements.  Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements.

 

We invite you to review our employee benefits flyer.

To apply, please submit your resume to HR@anchorbank.com.