PRIMARY PURPOSE OF JOB

Manage commercial credit relationships in support of the assigned loan officer. Work with assigned loan officer on new loan requests, renewals, modifications, collection of financial documents.

EXPECTATIONS OF ALL SOUTHERN BANK TEAM MEMBERS

• Southern Bank team members are a family, rooted in the communities we serve and working together to be the best in our industry, utilizing innovative ideas and strong products. The Southern Bank Patch illustrates these ideals.
• Ensures the confidentiality of customer non-public personal information and secures information systems to comply with bank regulations.

ESSENTIAL FUNCTIONS AND PERFORMANCE AREAS

• Manage commercial relationships;
• Act as point of contact for borrowers;
• Prepare loan presentations for new requests, modifications and renewals;
• Monitor construction loans in the portfolio;
• Work with loan coordinators on loan closings;
• Work effectively with coordinators, credit department, loan operations;
• Present credit packages to loan committee;
• Work with loan officer to grow the loan portfolio;
• Analyze financial statements, assess creditworthiness, and recommend loan structures;
• Make recommendations to management regarding product improvement or changes;
• Refer depository and other business lines from customer base to the Branch Retail Manager.