Job Description

Overview:

Our client, a Howard County-based Financial Institution responsible for servicing existing and prospective customers producing a variety of commercial loans, while seeking new accounts through calling efforts, marketing, and referrals, seeks a Commercial Lender to join their team. This position represents the bank in the local community through active participation in community affairs and participates in marketing all of the bank’s products and services. This is a full-time, exempt opportunity and will report to the Director of Commercial Lending.

Essential Functions:

• Monitor an existing commercial loan portfolio to ensure proper risk ratings and early identification of potential problems.
• Source, develop, and underwrite new construction, interim, and permanent financing requests for new and existing customers.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income, and the selling of all bank products and services.
• Conduct a daily review, approval, and disposition of commercial overdrafts.
• Negotiate terms, structure loan financing based on risk considerations, and present credits for approval to appropriate levels of authority within the bank as required.
• Support the bank’s strong relationship banking culture through ongoing customer contact, quality customer service, and superior product knowledge.
• Maintenance and development of an existing portfolio of approximately 100 commercial clients
• The ability to continue to grow loan and deposit relationships with existing customers
• Develop new loan and deposit business with prospective customers
• Evaluate, authorize, recommend, and approve various types of commercial and commercial real estate loans
• Consult with borrowers and prospective borrowers to determine and recommend the most beneficial structuring of loan requests

Education and Experience:

• Bachelor’s degree in finance, business, economics, or related field preferred.
• Minimum of one to three years of commercial lending experience.
• Strong credit skills and business development abilities
• Strong customer service and sales orientation
• Relationship management skills for key commercial, small business, and personal relationships
• Organization & multi-tasking skills
• Formal credit training