Commercial Lender

At Branson Bank we go BIG. Big on family community and culture. As a Branson Bank associate you are part of a team of respected experienced professionals providing excellent service while offering creative affordable and innovative financial solutions to our neighbors. All decisions are made locally and we have the flexibility to meet with customers conveniently in person or online. Our management team strives to offer the best working environment offering advancement opportunities through mentorship and training. We are a family sharing faith and common interests who live by a set of core values and apply the Golden Rule daily. If Branson Bank sounds like something you would like to explore more we welcome you with open arms and cannot wait to meet you!

JOB SUMMARY

The Commercial Lender makes and services a variety of small to large secured and unsecured loans. This position may make consumer commercial mortgage and agricultural loans. The Commercial Lender develops and manages commercial loan accounts that meet established lending requirements and maximizes profitability to the bank at minimum risk.

ESSENTIAL DUTIES AND OTHER RESPONSIBILITIES

• Interview loan applicants interested in obtaining small to medium sized commercial loans.
  • Gather credit application information concerning business needs desires abilities and earnings to determine loan needs.
  • Explain loan options rates terms and collateral requirements.
  • Arrange loan decision and notification dates.
  • Crosssell applicable insurance and other bankrelated products and services associated with the loan.
• Underwrite commercial loans.
  • Order credit report obtain tax returns and financial statements from applicants and request other necessary documents for evaluation and analysis as needed.
  • Prepare and analyze debt service repayment ability.
  • Evaluate and determine creditworthiness in accordance with Branson Bank credit policies.
  • Make onsite inspections of collateral as needed.
  • Compile loan proposal information for presentation to loan committee.
  • Present loans which exceed credit authority to the Officers Loan Committee or the Directors Loan Committee for recommendations and approval.
• Within established lending limits or by committee approval make credit decisions to approve or decline loans.
  • Make commercial loans to customers within established credit limits.
  • Communicate credit decisions to loan applicants.
  • Negotiate credit terms and repayment schedules within established guidelines.
  • Initiate written notification of adverse action for all appropriate loans.
  • Order necessary information to facilitate perfected security interest and other documentation.
• Schedule coordinate and conduct loan closing.
  • Review loan documents with customers.
  • Obtain customer signatures on loan documents.
  • Initiate disbursement of loan proceeds.
• Manage loans within loan portfolio.
  • Prepare letters pertinent to maintaining collateral documentation financial statement and other lending activities.
  • Release liens such as titles mortgages paid notes and others.
  • Review for trend changes in customer portfolio before renewing credit.
  • Responsible for identification and evaluation of deteriorating loan situations to recognize chargeoff loans early and manage credit to minimize losses.
  • Handle followups collections or delinquent loans as requested.
  • Work with internal and external auditors and credit review staff to ensure compliance with Branson Bank policies and procedures as well as federal and state regulations.
• Service loans in portfolio to retain high loan quality level.
  • Monitor customer financial conditions loan performance and repayment process. Take appropriate corrective actions as necessary.
  • Correspond with customers with delinquent accounts and counsel borrowers to bring accounts current. Provide guidance for customers seeking solutions to financial problems.
  • Conduct timely field inspections of collateral and inventory held by the bank.
  • Send written notification to customer for renewals rate adjustment and other items.
• Develop new business and expand existing relationships.
  • Maintain knowledge of commercial banking products and services as well as knowledge of the industries or market areas served.
  • Call on potential customers identify banking needs secure financial data for analysis and make proposals for new business.
  • Coordinate with the customer service area to set up new accounts.
  • Review existing account relationships for opportunities to meet additional needs with other products or services making proposals as appropriate.
  • Make sales calls in the calling program to achieve individually established goals.
  • Participate in civic and community activities to generate visibility and contacts for the bank.
• At times assist with the following functions:
  • Gather evaluate underwrite and close consumer loans within established credit limits.
  • Process commercial loan documents.
  • Coordinate Collection activities.
  • Provide direction to loan servicing collection loan administration and support staff.
• Exhibit exemplary attendance and punctuality.
• Comply with company policies and procedures.
• Perform other duties as assigned.