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Commercial Lender/Relationship Manager - Oakmont

Colonial Savings

Description



As a Commercial Lender/Relationship Manager with Colonial, you will be responsible for soliciting, negotiating, underwriting and coordinating the closing of major and complex commercial, commercial real estate, SBA, equipment and some consumer loans, in compliance with the Bank's lending policies and procedures. They will develop business checking and deposit relationships with customers; while promoting business for Colonial Savings by maintaining good customer relations. The Relationship Manager is responsible for achieving, as established by the Bank, region and branch goals through active participation in sales management and officer call programs. They will ensure compliance with all bank policies and procedures, as well as applicable state and federal banking regulations.

Responsibilities Include:
  • Engage in business development activities and solicitation of new business
  • Interview prospective applicants and request all documentation/information related to loan or credit application
  • Perform pre-qualification assessments and analysis of financial condition and risk of financing requests within framework of bank credit culture and current economic and industry trends from applicants
  • Gather and analyze all information necessary to present a financing request to Senior Management or Loan Committee for approval
  • Maintain/acquire relationships with existing and potential customers; visit sites of loans; negotiate loan terms and conditions; approve loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee
  • Coordinate processing of approved loans; ensuring loans are processed according to agreement, customer needs and conforms to bank lending policies
  • Ensure that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning
  • Negotiate, underwrite and processes renewals of credit facilities
  • Approve loan payments, draws from lines of credit, and fund transfers within specified limits
  • Contribute to the overall profitability of the branch and monitors expenses to ensure compliance with budget
  • Reinforce the application of superior customer service through his or her own example along with appropriate follow through with customers and employees
  • Develop and maintain knowledge of financial industry, economy, market conditions, rates, vendors and competitors
  • Represent the bank in various community, civic, and community reinvestment functions to further enhance the bank's image and develop additional business
  • Cross sell Colonial's products and services
  • Update and correspond with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken
  • Directly responsible in meeting annual deposit and loan growth goals assigned by Senior Management
  • Participate with Senior Management with developing, analyzing and finalizing complex loan agreements with representatives of large businesses
  • Respond to inquiries or refer inquiries to the appropriate department or person
  • Assume responsibility for special projects; gather data and prepare reports for senior management, auditors and other personnel.
  • Various duties as assigned


Requirements:
  • 3 years minimum commercial banking experience
  • Experience with financial statements and tax return analysis
  • Experience in all lending activities and terminology
  • Knowledgeable of commercial, construction, real estate and consumer loan processing.
  • Knowledge of related state and federal lending and compliance regulations, and other Bank lending policies
  • Proven ability to develop marketing and business development skills with customers
  • Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs
  • Self-motivator with excellent organizational and time management skills
  • Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheet and specialty software programs;
  • Intermediate typing skills
  • Exceptional verbal, written and interpersonal communication skills
  • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations
  • Ability to work with no supervision
  • Successful NMLS registration will be required



Requirements

 
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Job Snapshot

Location US-TX-Fort Worth
Employment Type Full-Time
Pay Type Hour
Pay Rate N/A
Store Type Accounting

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Terms & Conditions
Snapshot
Colonial Savings
Company:
US-TX-Fort Worth
Location:
Full-Time
Employment Type:
Hour
Pay Type:
N/A
Pay Rate:
Accounting
Store Type:

Description



As a Commercial Lender/Relationship Manager with Colonial, you will be responsible for soliciting, negotiating, underwriting and coordinating the closing of major and complex commercial, commercial real estate, SBA, equipment and some consumer loans, in compliance with the Bank's lending policies and procedures. They will develop business checking and deposit relationships with customers; while promoting business for Colonial Savings by maintaining good customer relations. The Relationship Manager is responsible for achieving, as established by the Bank, region and branch goals through active participation in sales management and officer call programs. They will ensure compliance with all bank policies and procedures, as well as applicable state and federal banking regulations.

Responsibilities Include:
  • Engage in business development activities and solicitation of new business
  • Interview prospective applicants and request all documentation/information related to loan or credit application
  • Perform pre-qualification assessments and analysis of financial condition and risk of financing requests within framework of bank credit culture and current economic and industry trends from applicants
  • Gather and analyze all information necessary to present a financing request to Senior Management or Loan Committee for approval
  • Maintain/acquire relationships with existing and potential customers; visit sites of loans; negotiate loan terms and conditions; approve loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee
  • Coordinate processing of approved loans; ensuring loans are processed according to agreement, customer needs and conforms to bank lending policies
  • Ensure that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning
  • Negotiate, underwrite and processes renewals of credit facilities
  • Approve loan payments, draws from lines of credit, and fund transfers within specified limits
  • Contribute to the overall profitability of the branch and monitors expenses to ensure compliance with budget
  • Reinforce the application of superior customer service through his or her own example along with appropriate follow through with customers and employees
  • Develop and maintain knowledge of financial industry, economy, market conditions, rates, vendors and competitors
  • Represent the bank in various community, civic, and community reinvestment functions to further enhance the bank's image and develop additional business
  • Cross sell Colonial's products and services
  • Update and correspond with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken
  • Directly responsible in meeting annual deposit and loan growth goals assigned by Senior Management
  • Participate with Senior Management with developing, analyzing and finalizing complex loan agreements with representatives of large businesses
  • Respond to inquiries or refer inquiries to the appropriate department or person
  • Assume responsibility for special projects; gather data and prepare reports for senior management, auditors and other personnel.
  • Various duties as assigned


Requirements:
  • 3 years minimum commercial banking experience
  • Experience with financial statements and tax return analysis
  • Experience in all lending activities and terminology
  • Knowledgeable of commercial, construction, real estate and consumer loan processing.
  • Knowledge of related state and federal lending and compliance regulations, and other Bank lending policies
  • Proven ability to develop marketing and business development skills with customers
  • Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs
  • Self-motivator with excellent organizational and time management skills
  • Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheet and specialty software programs;
  • Intermediate typing skills
  • Exceptional verbal, written and interpersonal communication skills
  • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations
  • Ability to work with no supervision
  • Successful NMLS registration will be required



Requirements

 
Commercial Lender/Relationship Manager - Oakmont Apply now