Commercial and Private Banking Officer

RESOURCE BANK

Commercial and Private Banking Officer I

Position Summary:

This position reports to the Commercial and Private Banking Officer/Market Leader.  Responsibilities include evaluating and recommending approval of real estate based commercial, private banking, or credit loans.  Duties include advising borrowers on financial status and relationship opportunities including deposit products; as well as working on the renewal of existing loans and the development of new business and personal customer relationships.

Essential Functions:

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Meet with applicants to obtain information for loan applications and to answer questions about the underwriting/approval process.
• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting and renewing loans.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Stay abreast of new types of loans and other financial services and products to meet customers' needs.
• Prepare loan packages based on information submitted to present for loan approval.
• Attend Loan and Business Development discussions, and other required meetings.
• Ensures loan agreements are complete and accurate according to policy.
• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
• Prepare reports that include the degree of risk involved in extending credit or lending money.
• Generate financial ratios, using computer programs, to evaluate customers' financial status.
• Analyzes potential loan markets to develop prospects for loans and customer relationships.
• Call on new and existing customers in potential loan markets in order to generate new loans and deposit customer relationships within the portfolio.
• Be active and involved in the communities served by the Bank.
• All other duties assigned.

 Knowledge and Skills:

• Communication - Excellent verbal and written communication skills.
• Interviewing Skills - Strong interviewing skills.
• Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Reading Comprehension - Understanding written sentences and paragraphs in work related documents.
• Speaking - Talking to others to convey information effectively.
• Time Management - Managing one's own time and the time of others.
• Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

Attributes:

• Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.
• Written Comprehension - The ability to read and understand information and ideas presented in writing.
• Oral Expression - The ability to communicate information and ideas in speaking so others will understand.
• Speech Clarity - The ability to speak clearly so others can understand you.
• Information Ordering - The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).
• Mathematical Reasoning - The ability to choose the right mathematical methods or formulas to solve a problem.

 Experience and Education:

Bachelor’s degree from four-year college or university and two or more years of customer service banking experience; BS in Finance or Accounting preferred.

 Knowledge of principles and processes for providing customer and personal services including needs assessment techniques, quality service standards, alternative delivery systems and customer satisfaction evaluation technique.

 Resource Bank strives to be the “employer of choice†EEO\Minority\Female\Vets\Disabled