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Pinnacle Bank

Commercial Loan Officer

Pinnacle Bank, San Antonio, Texas, United States, 78208

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Overview

Manages a portfolio of all types of loan/depository accounts. Responsible for prospecting new customers and cross-selling other banking services. Apply online as appropriate. RESPONSIBILITIES AND DUTIES

Prospects new customers and solicits new loans. Cross-sells other banking services to new and existing customers. Maintains ongoing customer contact to ensure good customer relations. Performs ongoing management of a portfolio of all types of account relationships. Includes account reviews, problem solving, research and follow-up to internal account errors. Interviews loan applicants: gather and evaluate financial and related data to establish credit worthiness. Monitor customers’ financial condition. Reviews and approves or denies loan requests to new or existing customers up to a pre-determined limit. Prepares action memos to be reviewed by management and presents credits exceeding authority to the loan committee. Serves and votes as a member of the bank loan committee. Provides guidance to subordinate lending officers on lending decisions and managing accounts. Monitors loan repayment activities, take necessary action to collect past-due accounts. May participate in preparation of department budget, goals and objectives and strategic planning. Participates in civic and community organizations, representing the bank, and attends customer and bank-sponsored events. Performs other related duties as assigned by management. Ability to maintain regular and reliable attendance. KNOWLEDGE, SKILL, AND ABILITIES

Knowledge of commercial lending procedures. Knowledge of general banking principles and banking. Knowledge of sales and marketing practices and principles. Skill in communicating with clients and co-workers in courteous and professional manner. Skill in operating computer terminals and printers. Skills in pricing loans. Ability to maintain a high level of confidentiality. Ability to problem solve. Ability to make sound decision using information at hand. Ability to demonstrate accuracy and efficiency in a fast-paced environment. Ability to function as a team player. EDUCATION AND EXPERIENCE

Prior commercial lending experience is preferred. Seniority level

Entry level Employment type

Full-time Job function

Finance and Sales Industries

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