Team Leader Commercial Assist

A Commercial Banking Representative supports several senior commercial lenders in underwriting, customer service, sales, etc. The actions/work in this position will always be supervised by lenders thus; the position will not have credit approval authority and will not be assigned a portfolio.

• Completing analysis of new loan requests, making recommendations to loan officer whether the loan request(s) is/are an acceptable risk for the bank
• Assisting loan officer in underwriting and structuring new loan request, including completion of credit memorandum and credit approval documentation
• Reviewing reports for upcoming loan renewals and completing any necessary credit memorandum and credit approval documentation required to process renewal
• Assisting the loan officer in preparation and review of loan documentation.
• Conducting market research and developing prospects for potential banking relationships
• Monitoring loan portfolio of commercial lending group to ensure compliance with all loan terms, notifying officers of any developing trends in such loans, and any suggested changes in credit risk ratings
• Working on special projects at the direction of officers, such as marketing studies, industry analysis, budget analysis, projection models, etc.
• Accompanying experienced lenders on calls to customers and prospects
• Continual development of knowledge of all relevant products and services offered by the Bank.
• Participating in community functions and joining community and area business groups to represent the Bank where appropriate

• Bachelor's degree (B.S.) from four-year college or university, preferably with major in finance or accounting; and completion of formal bank credit training program or two to three years' experience as part of a commercial lending group; or equivalent combination of education and experience
• PC proficiency in a Windows environment, particularly Excel and Word, required
• Understanding of financial analysis techniques and loan structuring required
• Understanding of commercial loan products, as well as other bank products and services, preferred