Commercial Banking Officer

TITLE: Commercial Banking Officer REPORTS TO: Bank President DEPARTMENT: Commercial Banking LOCATION: Waterloo-Downtown JOB SUMMARY: Primary duties include originating and underwriting credit requests, servicing an existing credit portfolio, and working with associates to provide clients with a full range of banking products and services. ESSENTIAL FUNCTIONS: 1. Interviews commercial loan applicants, gathering the required information for a credit application, explaining loan options, rates, terms and collateral requirements, and arranging notification and cashing dates. Cross-sells services in a professional manner. 2. Underwrites loan requests by collecting financial information, analyzing the information provided, and working with a Credit Analyst to prepare a credit memorandum for credit approval. Requests additional information from the applicant as required. 3. Oversees that loan packages have appropriate signatures, disclosures, credit authority, disclosure amounts, supporting documentation, and are properly secured. 4. Works with a Credit Analyst and Administrative Assistant to monitor servicing of loan portfolio. Take the lead in corresponding with customers and other departments as required. Properly document files for annual reviews of each credit and on-going issues or developments for each credit. 5. Plans and completes calls on clients, prospective clients and circle of influence contacts. ADDITIONAL RESPONSIBILITIES: 1. Participates in monthly all-staff meetings to explain new products, procedures, policies and programs. 2. Performs other duties as requested by Senior Management. KNOWLEDGE, SKILLS, & ABILITIES: 1. Bachelor’s degree in accounting, business administration or related field or equivalent experience. 2. Minimum three years’ commercial banking experience 3. Ability to manage credit up to several million dollars 4. Strong business development focus 5. Excellent communication skills 6. Ability to organize and analyze complex financial information 7. PC knowledge including spreadsheets and word processing capabilities 8. Interest in community and civic involvement

Type of Employment: Full-Time