GENERAL SUMMARY : Manages a portfolio of all types of loan/depository accounts. Responsible for prospecting new customers and cross-selling other banking services.

RESPONSIBILITIES

AND DUTIES : Prospects new customers and solicits new loans. Cross-sells other banking services to new and existing customers. Maintains on-going customer contact to ensure good customer relations.

Performs on-going management of a portfolio of all types of account relationships. Includes account reviews, problem solving, research and follow-up to internal account errors, etc. Interviews loan applicants: gather and evaluate financial and related data to establish credit worthiness.

Monitor customers’ financial condition. Reviews and approves or denies loan request to new or existing customers up to a pre-determined limit. Prepares action memos to be reviewed by management and presents credits exceeding authority to the loan committee.

May serve and vote as a member of the bank loan committee. Monitors loan repayment activities, take necessary action to collect past-due accounts. May participate in preparation of department budget, goals and objectives and strategic planning.

Participates in civic and community organizations, representing the bank, but following personal interests. Attends customer and bank sponsored events. Performs other related duties as assigned by management.

Ability to maintain regular and reliable attendance KNOWLEDGE, SKILL, AND ABILITIES : Knowledge of commercial lending procedures. Knowledge of general banking principles and banking. Knowledge of sales and marketing practices and principles.

Skill in communicating with clients and co-workers in courteous and professional manner. Skill in operating computer terminals and printers. Skills in pricing loans.

Ability to maintain a high level of confidentiality. Ability to problem solve. Ability to make sound decision using information at hand.

Ability to demonstrate accuracy and efficiency in a fast-paced environment. Ability to function as a team player. EDUCATION AND EXPERIENCE : College degree preferred Prior commercial lending experience is preferred.

, duties, and skills, required of person so classified.

REQUIREMENTS

: NOTE: The statements herein are intended to describe the general nature and level or work being performed by employees assigned to this classification.

COMM LOAN OFFICER