OBJECTIVE:

Develops and manages commercial
loan accounts which meet established lending requirements, and which maximize
profitability while minimizing risk.  Sets
goals for growth, fee income, delinquency and charge offs.

ESSENTIAL FUNCTIONS:

• Interviews loan applicants, collects,
  analyzes financial and related data to determine general credit worthiness
  of the prospect and the merits of the specific loan request.
• Establishes and negotiates terms
  under which credit will be extended, including costs, repayment method and
  schedule and collateral requirements.
• Collects and analyzes information
  which reflects current credit worthiness of customers and current merits
  of existing loans.
• Monitors loan repayment activities
  and takes necessary action to collect from past due accounts.
• Adheres to customer service standards
  to ensure that inquiries are handled in a prompt, efficient and courteous
  manner.
• Develops new business by contacting
  prospects and customers.
• Participates in community affairs to
  increase the bank’s visibility and to enhance new business opportunities.
• Performs job duties in accordance
  with all appropriate laws and regulations.
• Reviews new developments in
  commercial lending and changing government regulations, ensuring that the
  staff is kept informed.
• Performs other work-related duties as
  assigned.

 

REQUIREMENTS/QUALIFICATIONS

Education and Experience:

• Degree
  in business, finance or marketing
• 5
  years’ experience in commercial/ag lending is preferred.
• Thorough
  knowledge of lending regulations and credit/underwriting practices

 

Skills and Competencies:

• Excellent
  PC skills including word processing, spreadsheet, presentation, internet,
  and internal software
• Strong
  verbal, negotiation and presentation skills in order to achieve sales
  objectives in a professional environment.
• Superior
  analytical skills in order to underwrite and monitor loans and identify
  business opportunities in a highly competitive environment.

WORKING CONDITIONS:

Traditional retail office environment

 

PHYSICAL DEMANDS:

Interstate Bank promotes an equal
opportunity workplace, which includes reasonable accommodations of otherwise
qualified disabled applicants and employees. 
Please contact Human Resources with questions regarding the physical
demands of this job

INTERSTATE BANK is an EEO Employer - M/F/Disability/Protected Veteran Status