Commercial Loan Officer

Job Description

Job Description

Job Summary / Company :

Sparks Group has partnered with a local bank to find a Commercial Loan Officer. As the Commercial Loan Officer, you will be responsible for managing a diverse portfolio of commercial loans, including moderate to large secured and unsecured credits, to meet established lending requirements and maximize bank profitability while minimizing risk. This includes providing portfolio maintenance, loan administration, and operating with moderate lending authority, sometimes involving complex credits. The ideal candidate will have a bachelor’s degree in business or finance and 3 years of relative experience. If you’re looking for your next opportunity, apply now!

Responsibilities :

• Interview and consult with applicants on moderate to large commercial loan options, terms, and requirements, and cross-sell complementary bank products.
• Underwrite commercial loans by gathering and analyzing financial documents, evaluating creditworthiness, and compiling comprehensive loan proposals.
• Approve or decline loans within established credit limits, negotiate terms, and manage the full closing process, including reviewing and executing documentation.
• Manage a loan portfolio, ensuring high quality by monitoring customer financial conditions, reviewing for trend changes, and taking corrective action as necessary.
• Actively service and manage the loan portfolio, including identifying and evaluating deteriorating loan situations to minimize losses and handling delinquent accounts.
• Develop and expand commercial relationships through proactive business development calls and community involvement to achieve sales goals.

Qualifications / Background Profile :

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This job is In-Person.

We offer several comprehensive benefits package including health and life insurance, paid and unpaid time off, and retirement and savings plans to qualifying employees.

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Sparks Group is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, pregnancy, citizenship, family status, genetic information, disability, or protect veteran status.