Overview
Join our dynamic financial team as a Commercial Lender, where you will play a pivotal role in driving business growth by developing and managing a diverse portfolio of commercial clients. This energetic position offers the opportunity to leverage your expertise in financial sales, credit analysis, and customer service to deliver tailored lending solutions that meet client needs while adhering to regulatory standards. As a key player in our organization, you will expand and foster strong relationships, negotiate loan terms, and ensure seamless loan origination and servicing processes.
Duties
- Cultivate new business opportunities through proactive financial sales efforts and networking within the community.
- Conduct comprehensive credit analyses by evaluating financial statements, credit reports, and collateral to assess borrower risk.
- Prepare and present loan proposals by utilizing underwriting principles, FNMA guidelines (Federal National Mortgage Association), and other relevant standards.
- Negotiate loan terms, interest rates, and contracts with clients to achieve mutually beneficial agreements while ensuring compliance with Fair Housing regulations and TILA (Truth in Lending Act).
- Manage the entire loan process from origination through processing, including documentation review, escrow coordination, and mortgage servicing activities.
- Utilize financial software such as Quicken and other banking systems to track loans, perform basic math calculations, and maintain accurate records.
- Ensure adherence to all regulatory requirements related to banking, mortgage origination, loan processing, and fair lending practices.
Experience
- Proven experience as a loan officer or in a similar financial services role with a focus on commercial lending.
- Strong background in credit analysis, underwriting, and loan structuring within banking or mortgage industries.
- Familiarity with FNMA guidelines, mortgage servicing procedures, escrow processes, and contracts management.
- Proficiency in accounting software, financial software tools like Quicken, and 10-key typing skills for efficient data entry.
- Demonstrated ability to negotiate effectively while maintaining excellent customer service standards.
- Knowledge of fair housing regulations and compliance requirements related to mortgage lending.
- Basic math skills essential for credit evaluation and loan calculations; experience with TILA regulations is preferred. Join us to make an impact in the financial industry by delivering exceptional service while advancing your career in commercial lending!
Pay: $70,000.00 - $90,000.00 per year
Benefits:
- 401(k) 10% Match
- 401(k) 5% Match
- Health insurance
- Life insurance
- Paid time off
Work Location: In person
