Executive Job Title	VP, Commercial Lending Officer #699
Type of Registrant	Recruiter
Location	Michigan
Industry & Function 1:	Financial-Banks-Commercial/Retail&CreditCards - Lending-Activity--(All-Types-of BANKING)
Compensation	$100,000 to $200,000
Executive Job Description	A 5-Star Rated community bank seeks two senior level Vice President , Commercial Lending Officers , for the Grand Rapids and Travers City areas of Michigan. KEY DUTIES, ACTIVITIES AND RESPONSIBILITIES: - Maintain the needs of current and prospective customers seeking loans that may involve the lending of both secured and unsecured funds - Interview applicants to assimilate financial information concerning their business - Analyze applicant’s capacity to repay and determine whether a loan may be an acceptable risk within loan policy guidelines. - Obtain and direct the analysis of all necessary financial data. - Conduct credit check, conduct or initiate EPA assessments and make site visit as necessary. - Make decisions on loans and terms within establish lending limits, or make recommendations to senior management and/or loan committee if outside of lending authority. - Monitor existing loans to ensure compliance with terms and recognition of any developing trends and directs the drafting of all necessary loan documents and agreements. - Call on potential or existing customers to determine need for other bank services such as: lending products, retail banking products, financial services or insurance needs. - Maintain the confidentiality of all customer and bank relationships. Promote and support the Community Development Efforts of the bank. - Will initiate and service a variety of loans (commercial, consumer & residential) with emphasis on commercial. - Commercial loan underwriting, analysis and presentation. - Responsible for a portfolio of large businesses and/or complex loans/accounts. - Assist with and perform Commercial loan annual reviews. - Serve on Internal Loan Committee. - Assist with quarterly residential and consumer quality control reviews. - Develop and build new banking relationships. - Nurture and develop existing banking relationships. - Assists in maintaining lending quality and compliance. - Assists other lending staff as needed. WORK EXPERIENCE, SKILLS AND EDUCATION REQUIRED: - Local lender with a book of business. - Residential and consumer loan underwriting and analysis. - Must be able and willing to underwrite own deals including credit viability. - Must underwrite loans personally. - Must be a lender who understands cash flow lending. - Must be an active lender with a strong work ethic. - Must be a "producer" and not just a "manager". - Must be a team player. - Must be a bank lender able to do their own underwriting. - Must have been through a formal lending/training program.
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