Commercial Lender

Company: Bank Michigan
Location: Brooklyn
Posted on: May 13, 2022

Job Description:

JOB SUMMARYServes as a business partner and resource to small businesses within Lenawee, Jackson and Washtenaw Counties. Prospects for and originates commercial loans while promoting the financial institution and its business services to the community; in addition, serves as the primary face of Bank Michigan in the Market.DUTIESPrimary:

• Intake, analysis and exercise loan authority of commercial loan applications.
• Develops a full loan and deposit relationship with customers and potential customers; and expands customer relationships through pulling in the appropriate bank resources.
• Screens loan requests based on financial institution policies and on types of loans offered by the bank.
• Responsible for properly disclosing all types of loans in accordance with RESPA.
• Personally answers incoming phone calls and schedules appointments.
• Communicates complex approvals or denials to the borrower, real estate agent or builder.
• Promotes and participates in the financial institution's special credit programs and other CRA programs.
• Regular and consistent activity within the local business community; and maintains close contact with local builders, real estate brokers, agents, centers of influence and customers to foster solid referral and sale relationships.
• Regularly attends outside meetings, events and activities to promote the Bank through the centers of influence that the Bank affiliates with.
• Utilizes the various computer programs/systems used in retail lending and commercial lending.
• Acts as an advocate for the Bank in all interactions both internally and externally, including overall product knowledge of deposit and loans for aligning customers/prospects with the products that best meet their needs.
• Works harmoniously and collaboratively with team members to accomplish bank objectives.Other:
  • Attend loan committee meetings as needed.
  • Assist with 3rd party audits and reviews as needed.
  • Assist with Consumer Loan Portfolio as needed.
  • Assist with other duties as assigned.QUALIFICATIONS
    • Education: Bachelor's Degree in business, economics, finance or equivalent preferred.
    • Certifications: Registration/Licensed through the S.A.F.E. Act (or ability to become licensed within 60 days)
    • Required Knowledge, Skills, Abilities, Training and Experience: Minimum of 5-10 years of prior commercial lending experience. Proven track record of building a book of business independently. Ability to work autonomously and with little guidance. Displays the confidence and competence to gain/maintain the Bank's credibility. Takes initiative to learn, develop oneself and see things through from start to finish. Good interpersonal communication and computer skills; ability to operate standard office equipment such as computers, adding machines and typewriters.Essential Physical Requirements:
      • Ability to converse verbally and in writing with others.
      • Ability to utilize general office equipment, Internet and various business software programs (i.e. MS office).
      • Ability to travel within the community and to the corporate office to attend various events and meetings.EEO Statement:Bank Michigan provides equal employment opportunity to all individuals regardless of their race, color, creed, religion, gender, age, sexual orientation, national origin, disability, veteran status, or any other characteristic protected by state, federal, or local law. Further, the company takes affirmative action to ensure that applicants are treated fairly during employment without regard to any of these characteristics. Discrimination of any type will not be tolerated.This job description does not list all of the duties of the job. Other duties and responsibilities may be assigned. This job description may be revised at any time. This job description is not a contract for employment and either the employee or the employer may terminate employment at any time, for any reason or no reason.

Keywords: Bank Michigan, Ann Arbor , Commercial Lender, Other , Brooklyn, Michigan