Examines, evaluates, and authorizes or recommends approval of customer applications for commercial and/or agricultural loans by performing the following duties. Refers and coordinates the extension of all banking relationships to prospective and current clients.
Interviews applicants and underwrites all types of commercial and/or ag loans through existing loan policy guidelines. Collects and analyzes financial related data to determine the general creditworthiness of the prospect and the merits of the specific loan request; submits application to credit analyst for verification and recommendation.
Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
Establishes and negotiates where necessary the terms under which the credit will be extended, including the costs, repayment method and schedule and collateral requirements.
Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms. Ensures loan agreements are complete and accurate according to policy. Promotes and cross-sells other banking products and services as appropriate to customer needs.
Bachelor's degree (B. A.) from four-year college or university preferred plus 3-5 years related experience, or equivalent combination of education and experience.
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