Loan Officer level 3

Summary: As a Loan Officer of The Bank of Commerce, you are responsible for business development and establishing new relationships. It is expected that you will increase the bank’s loan and deposit balances by developing relationships which run parallel to bank goals. An integral part of your job function is to assess a borrower’s creditworthiness for potential loan transactions through detailed analysis of a borrower’s financial position. As part of this process, you will accept loan applications, collect the proper financial data, underwrite potential credits, make credit decisions, and close and service loan transactions.

Essential Duties and Responsibilities:

• Experienced lender with enhanced underwriting and analytical skills.
• Level 3 Loan Officers can work with little supervision and have a seasoned and established referral network that yields consistent new prospects.
• Has an established customer base and is actively working to promote and develop new customer relationships.
• Will be expected to routinely have credits to submit to Senior Loan Review as well as present to Executive Loan Committee.
• Should be able to assess and discuss asset quality as well as identify and execute workout plans for stressed credits.
• Has adequate working knowledge of lending processes such as conducting inspections and reviewing appraisals.
• May or may not have operational supervision over other employees but should be available to help develop and train less seasoned analysts or lenders.
• Maintain and manage a loan portfolio between $8 million and $20 million.

Competencies: To perform the job successfully, an individual should demonstrate the following competencies:

1. Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.

1. Technical Skills – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others.

1. Oral Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions. Demonstrates group presentation skills.

1. Written Communication - Writes clearly and informatively; Able to read and interpret written information.

1. Ethics - Treats people with respect and consideration regardless of their status or position; Keeps commitments; inspires the trust of others; Works with integrity and ethically; Upholds organizational values.

1. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.

1. Professionalism – Approaches others in a tactful manner; reacts well under pressure; accepts responsibility for own actions; follows through on commitments.

1. Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals. Completes tasks on time or notifies appropriate person with an alternate plan.