Commercial Lender
American State Bank & Trust
Wichita, KS
Full-time
Business Development
Posted on August 22, 2018
Responsible for the development, supervision and quality of a commercial loan portfolio, with the overall objective of maintaining and increasing its asset quality profitability and expansion of new and existing business and personal relationships.
Essential Functions & Responsibilities:
- Takes applications for commercial loan business. Reviews customer financial condition and assesses the customer's ability to re-pay the loan. Makes underwriting decisions within approval authority. Completes or directs completion of all loan documents and assures loan closing meets underwriting and legal requirements.
- Develops customer relationships for the bank. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the bank's client base for loans, deposits and other services.
- Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.
- Assists in collection of past due loans.
Requirements:
- 3-5 years of similar or related experience.
- A college degree or equivalent work experience.
- Must have experience in analyzing business financial statements and assessing the viability of businesses; must have excellent communication and PR skills; ability to use related software required.