Aug 12, 2016

Commercial Loan Officer | Guilford Savings Bank - New York

Job Details:
FUNCTION:Responsible for developing and maintaining strong and profitable relationships with commercial clients and providing quality customer service. Actively call on businesses in GSB’s strategic lending area and throughout CT; effectively negotiate, structure and underwrite proposed loans in a timely manner and in alignment with the Bank’s loan policy; obtain necessary approvals, close the loan and administer the customer relationship
GENERAL DESCRIPTION OF DUTIES:
*. Develop relationships with business owners, developers, lawyers, accountants and real estate investors to develop new relationships as well as, maintain satisfactory relationships with existing customers. Network to achieve continuous referral sources for the Bank. Work with the Cash Management Officer and with Branch Managers on joint calling efforts to cross sell various Bank products and services.
*.Interview potential commercial loan customers, quote rates and terms, obtain the necessary information to underwrite the loan request, properly assesses the request and structure the loan in conformance with Loan Policy.
*.Actively involved in the loan review of the existing portfolio to ensure credit quality and recommends any upgrades or downgrades to loans.
*.Works one on one with credit analysts on completing loan offering memorandums or providing information as needed for accurate underwriting. May at times need to underwrite commercial loan requests.
*.Presents loan to appropriate loan authority level
*.Originate new loans, fee income and deposit relationships
*.Works with the Commercial Loan Servicing Representative to ensure all loan documentation is accurate, attends loan closing and ensures all follow up documentation is received.
*.Evaluate potential customer loan requests and make loan recommendations to management.
*.Participate with Senior Credit & Commercial Loan Administration Officer on underwriting matters.
*.Perform other duties as required.
*.Completes all required compliance training as assigned in a timely manner...
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