Job Responsibilities :

- Provide objectivity to the Credit approval process

- Underwrites new transactions and document renewals, modifications and covenant violations

- Review commitment letters; reviews and approve annual reviews and tenant underwriting for report to loan committee

- Ensure adherence to Credit policy, guidelines and regulatory requirements

- Assists loan document negotiations

- Support the growth and development of the assigned commercial lending loan portfolio by effectively managing client portfolios.

- Provide ongoing coaching and support for credit analysts

- Effectively monitor portfolio for revenue opportunities and/or loan exposures

- Responsible for credit analysis, proper loan structuring and overall sales efforts in area

- Assist in the sales proposal process, including accompanying the lenders on customer and prospect calls and various other sales/customer oriented projects

- Establish and maintain relationships with current and prospective clients. Leverage customer knowledge to proactively identify and recommend opportunities to cross-sell additional loan and non-credit products to clients

- Manage loans through the lending process and present loan requests and renewals to Senior Management and Loan Committee

- Complete all requirements of loan bookings, to include preparation, review, documentation and filing

- Work with clients to modify and/or restructure existing loans as needed

- Underwrite new loans, renewals, extensions and modifications

- Help resolve credit problems, delinquent payment issues, and other related affairs

- Review current account status, to include but not limited to, Past Due accounts and Notes Matured. Make appropriate recommendations for these accounts

- Monitor portfolio loan exposure including review of monthly maturity reports, daily overdraft activity reports and weekly past dues reports. Reports deteriorating credit situations in a timely manner

- Participate in evaluating risk rating and make revision recommendations

- Prepare lending activity reports for management and loan committee as needed

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