Makes and services a wide variety of secured and unsecured loans or lines of credit, most of which involve large amounts of money and important customers. Attends to the needs of customers seeking loans or lines of credit on terms that involve significant amounts of unsecured funds and/or credit secured by mortgages or other collateral. Interview applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk. Guides the credit department or junior officers in the development and analysis of financial background data for new or renewed loans. Makes decisions on loans and terms within established lending limits, or makes recommendations to a superior. Follows current loans and credit lines to ensure complete compliance with terms. Gives financial advice and counsel to customers and prospective customers. Studies industrial, commercial, and financial situations relating to new or existing businesses. Makes recommendations on financial and organization structure, locations and other matters on which the company may have information. Participates with senior officers on larger loans and lines. Keeps informed as to the status of loans in the department. Calls on potential or existing customers to develop new business and increase or retain existing business.
4 year Bachelor Degree in Business, Accounting, Finance, Economics, or Marketing preferred
Minimum 8 years commercial lending or business related experience.
Commercial Credit Training from Banking Organization or Equivalent Preferred
Sales Training from Banking Organization or Equivalent Preferred
Northwest Savings Bank - 22 months ago