Description
Evaluate, structure, and authorize commercial credit for businesses, including term loans, lines of credit, equipment, and real estate financing. Analyze financial statements, cash flow, collateral, and risk; advise clients on financing options and repayment. Manage a loan portfolio, ensure regulatory and policy compliance, and maintain relationships to grow quality business.
- • Approve commercial loans within delegated limits and refer larger requests to credit committee.
- • Meet with business owners and CFOs to gather application information and understand financing needs.
- • Analyze borrower financial statements, cash flow, leverage, and collateral to assess creditworthiness.
- • Explain commercial loan products, structures, rates, fees, and covenants to clients.
- • Obtain and compile tax returns, interim financials, aging reports, appraisals, and other underwriting documents.
- • Prepare credit memos and loan proposals for management and underwriting review.
- • Review loan agreements and collateral documents for accuracy and policy compliance.
- • Structure loan terms, pricing, collateral, and covenants to mitigate risk.
- • Calculate amortization, payment schedules, borrowing bases, and availability.
- • Monitor portfolio performance, risk ratings, and covenant compliance.
- • Conduct annual reviews, renewals, and re-underwriting of existing credits.
- • Stay current on commercial lending products, SBA programs, and industry trends.
- • Develop and manage a pipeline of prospects through referral networks and COIs.
- • Cross-sell treasury management, deposit, and other bank services to business clients.
- • Coordinate with credit analysts, appraisers, and legal counsel to resolve underwriting or closing issues.
- • Collect and document KYC, beneficial ownership, and compliance information.
- • Maintain and update credit and loan files in accordance with policy and regulation.
- • Handle client issues and complaints and ensure timely resolution.
- • Negotiate loan terms and conditions with borrowers and internal partners.
- • Oversee loan closing and funding, ensuring lien perfection and UCC filings.
- • Contact applicants to clarify information and assist with completing documentation.
- • Work with delinquent borrowers to obtain payment or negotiate workout plans.
- • Prepare delinquency reports and recommend accounts for collection or charge-off.
- • Review accounts for write-offs and coordinate with collections as needed.
- • Track billing accuracy, fees, and escrow or impound accounts as applicable.
- • Contribute feedback to credit policy, lending procedures, and risk appetite settings.
- • Participate in community and industry events to build brand and source deals.
- • Ensure adherence to banking regulations and internal audit requirements.
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O*NET occupational data (work activities, skills, knowledge).
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Last reviewed: Jan 2026
