Commercial Loan Officer

posted:
Location
Kalispell, Montana
Industry
Banking (Business and Financial Operations Occupations)
Job Type
Temp to Perm
Working Hours
8:00 AM - 5:00 PM
Salary
US$ 1.00 per hour
Ref. Number
S_30435
Contact
Demars, Nikki, Spherion
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Job Description

Successfully obtain, manage and build profitable account relationships with the majority clients being complex business members. Interact with business owners on a daily basis and proactively identify financial products that may benefit the business. Ensures the overall success and growth of an assigned portfolio by deepening relationships of existing members and through the acquisition of new members

Responsibilities:
?Follow all approved Commercial Loan procedures as explained and trained by the Commercial Loan Manager, Commercial Credit Officer and Chief Lending Officer.
?Perform all projects as requested by Commercial Loan Manager
?Maintain ongoing communication with Commercial Loan Manger, informing them of all pertinent problems, new developments, changes and other information.
?Maintain knowledge of loan programs (both Federal and State) including but not limited to SBA, B&I, and MBOI programs.
?Pursue Business Lending opportunities within community, including analyzing potential loan markets and developing referral networks in order to locate prospects for loans.
?Pass on to other Lending personnel loans which would present a conflict of interest.
?Meet with applicants to obtain information for loan applications and to answer questions about the process; explain the different types of loans and credit options that are available, as well as the terms of those services.
?Obtain and compile copies of applicants' credit histories, corporate financial statements, and other financial information; and analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
?Submit applications to credit analysts for verification and recommendation.
?Adhere to financial lending metrics as defined
?Approve commercial loans within specified limits, and refer loan applications outside those limits to management for approval; and submit Commercial Loan applications which exceed specified limits to Board of Directors as required.
?Determine loan terms, amounts to be advances and conditions of repayment.
?Maintain clear, concise and current Commercial Loan files; and periodically review loan agreements to ensure that they are complete and accurate according to policy.
?Serve as primary contact with Commercial Loan Members throughout lifetime of the loan.
?Stay abreast of all compliance and regulatory laws relating to Commercial Loan practices.
?Handle customer complaints and take appropriate action to resolve them.
?Work with Collections Department with regards to delinquent loans.
?Attend Commercial Loan Officer meetings as required.
?Comply with all BSA requirements as stated in the BSA Policy.
?Follow all company, Montana and Federal information privacy guidelines.

Working hours: 8:00 AM - 5:00 PM

Skills:
- Personal and professional honesty, integrity and respect for all co-workers and Members.
- Excellent problem solving, analytical and organizational skills.
- Ability and willingness to work both independently and as part of an established team.
- Ability and willingness to learn on the job and improve commercial lending-related skills
- Ability to prioritize work and juggle multiple simultaneous projects.
- Participation in sponsored and community-centered events.

Education:
Associate

Experience:
10+ years

Qualifications:
Required Education and Experience:
- A.A. or Bachelor's Degree required.
- Educational background in finance, accounting or banking preferred but not required.
- 10+ years professional experience in Commercial Lending required.
- Ability to be bonded required.

Spherion has helped thousands of people just like you find work happiness! Our experienced staff will listen carefully to your employment needs and then work diligently to match your skills and qualifications to the right job and company. Whether you're looking for temporary, temp-to-perm or direct hire opportunities, no one works harder for you than Spherion. EEO Employer: Race, Religion, Color, National Origin, Citizenship, Sex, Sexual Orientation, Gender Identity, Age, Disability, Ancestry, Veteran Status, Genetic Information, Service in the Uniformed Services or any other classification protected by law.

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