Commercial Lending Officer

Lamar National Bank
Job Description
Overview Lamar National provides a wide range of commercial and consumer banking solutions powered by people who value lasting relationships and commitment to community. We are founded on the belief that we have a deep responsibility to solve problems and build healthy communities. Our unique brand of banking is delivered by dedicated employees, who share an honest desire to make a lasting and positive impact. Come join us! The purpose of the position is to evaluate, authorize, or recommend approval of commercial, real estate, or other credit loans. Originate services and manages all types of commercial loan while meeting established loan quality, deposit and income goals. Responsibilities Originate, review and underwrite commercial loan applications. Analyze and review credit information to make a general assessment of applicant’s credit worthiness and determine if the loan will conform to the bank’s lending policy Exercises due diligence when underwriting loans including assessing risks, real estate analysis, cash flow, profitability Prepare written summary of loan terms and conditions and a written narrative explaining business background, outlining risk factor and justify assigned risk rating Improve condition of loan portfolio by working to reduce delinquencies through improved collection and underwriting techniques Develop and maintain business relationships and referral sources throughout the community Seeks to expand bank product usage to current customers by cross selling all types of deposit accounts, loan accounts, and services during customer contacts and interviews Stay abreast of new types of loans and other financial services and products to better meet customer need Participates in community-oriented and professional organizations to determine the various depository and credit needs of the Bank’s market area to support Community Reinvestment Act (CRA) objectives Update and maintain accurate new business sand renewal files Respond professionally and accurately to customer inquiries and concerns in a timely manner Perform other job related duties as assigned Qualifications College degree in Business, Finance, Accounting, or related field 2-3 years experience in a credit analysis/underwriting role relative to commercial lending, required 3+ years of proven commercial lending experience, required Solid knowledge of financial lending regulations Results oriented, sales aptitude with demonstrated ability to achieve organizational and business goals Computer proficiency with working knowledge of Microsoft Office Suite applications, required Careful attention to detail and time management Excellent interpersonal and communication skills Strong team player Demonstrate a high level of knowledge of Bank Secrecy Act and OFAC related responsibilities in the performance of daily operations to ensure adherence to bank policies and compliance with all regulatory requirements.
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