• VP Commercial Lender

    Posted: 07/31/2022

    A Commercial Loan Officer is responsible for providing sales and service to existing and prospective loan customers.

    Primary Accountabilities:

    • Provides information to customers regarding Bank loan opportunities and policies
    • Advises customers of options available to them, explains the differences between various types of mortgages, and negotiates terms and conditions of loans
    • Makes sales calls to potential and existing customer to pursue and retain loan business
    • Solicits loan business through contacts with Brokers, builders, developers, and realtors.
    • Interviews loan applicants to discuss loan requirements, ascertain customer’s capacity to repay, and assess the degree of risk involved.
    • Completes loan contracts by explaining provisions to customers; obtaining signatures and notarizations; verifies financial information supplied and collects fees
    • Looks for ways to improve loan applications and documentation by informing customers of additional requirements
    • Helps customers by answering debt/loan questions; responds to customer requests
    • Rejects loans by explaining deficiencies
    • Develops and maintains customer confidence in the Bank by keeping loan information confidential
    • Ensures the preparation and processing of forms and legal documents required for loans.
    • Participates in appraisals and loan closings as required
    • Continuously updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional/community organizations/events
    •  Other duties as assigned


    •  Bachelor’s degree or equivalent education or experience
    • 3 to 5 years Bank Lending experience.
    • Professional level of communication, sales and customer service skills.
    • Ability to handle Public Relations and Community Activities.

    Physical Demands/Work Environment:  Travel via personal transportation to meet clients is required. Individuals must be able to move about freely, stand or sit for several hours at a time and have manual dexterity.    Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

    It is the responsibility of every Bank employee to maintain an effective BSA/AML/OFAC internal control structure, including suspicious activity monitoring and reporting.  Every employee that comes in contact with a reportable transaction and/or suspicious activity should obtain the proper documentation and file the appropriate report in a timely manner.  Nothing in this description restricts the Bank’s rights to assign or reassign duties and responsibilities to this job at any time.

    Direct Reports:  This position does not supervise others.