Commercial Lender - Illinois Market

Peoples Bank • Orland Park, IL • 9h ago

This job was posted by https://illinoisjoblink.illinois.gov : For more information, please see: https://illinoisjoblink.illinois.gov/jobs/13221111

JOB SUMMARY

Responsible for originating, underwriting and closing Commercial Loans and managing a loan portfolio in accordance with Bank policies and regulatory lending guidelines along with developing, maintaining and servicing loan customers and cross selling of bank products to expand existing and new relationships. As well as providing community involvement in roles deemed necessary for future professional growth and maintaining the Bank\'s image as a Community Bank.

DUTIES AND RESPONSIBILITIES

Call on existing customers to retain and expand relationships

Develop new customers and prospects to achieve individual goals

Interview prospective customers to understand their loan request and

business

Provide financial consultation and analysis to assist customers in

determining their borrowing capacity

Gather financial statements, analyze the loan request and physically

inspect collateral

Structure and price the loan within the Bank\'s underwriting and

pricing guidelines

Underwrite loan files through evaluation of appraisals, title

insurance, credit reports and other loan specific criteria

Respond promptly to underwriting questions or additional

documentation while loan request is in Credit to minimize the turnaround time from loan request to closing

Review and familiarize themselves with policy and procedure changes

to ensure they are in compliance

Review loan presentations for accuracy and compliance with Loan

Policies and pricing guidelines prior to submitting for approval

Approve loans within their lending limits

Make recommendations of loans for approval under bank policy and

pricing guidelines

Review loan documents, thoroughly, prior to the borrower signing to

ensure accuracy and all required loan documents are included

Actively participate in Officer Loan Committee with questions and

suggestions to improve credit requests and voting promptly

Maintain past dues at an acceptable level by actively collecting on

past due loans

Accurate timing of loan renewals with review of risk, rates and fees

Timely collection of updated financial information for existing

customers

Collect on expired insurance

Participate in social, service & community organizations

Expand banking relationships from Transactional to Primary by

promoting and explaining other bank products and through joint calling efforts with other lines of business

Leverage Centers of Influence and existing relationships to expand

their prospect calling activity

Enter sales calls and referrals in Salesforce promptly so all calls

for the month are entered by month end

Remain current with all compliance testing by completing assignments

on or prior to the due date

Other duties as assigned

RELATIONSHIPS AND CONTACTS

High degree of interaction with Chief Business Banking Officer,

Business Banking Team Leader, Business Bankers, Business Banking Assistants, customers, prospects, third parties, personnel from loan administration, Credit, and banking centers as it relates to commercial products.

Maintain confidentiality of all bank records.

QUALIFICATIONS

Bachelor\'s degree in business related field.

Annual commercial loan originations consistently at or above the

minimum for their level

Must be able to work on multiple projects in a fast- paced

environment while never compromising quality

Must be able to work within established standards & guidelines

Must be able to communicate with Chief Business Banking Officer,

Business Banking Team Leader, Business Bankers, bank personnel, customers, prospects and thirdparties.

Must be able to work with financial information, analyze data and

use prudent judgment when making decisions.

Knowledge of bank software: Word, Excel, Microsoft Office, nCino,

Salesforce and pricing software.

Minimum of 3 to 5 years in banking, Credit or Lending experience

preferred

Ability to extract and analyze data to identify and resolve

exceptions

Goal orientated and proactive individual focused on results set

forth by bank\'s strategic plan

ABOUT US

For over a century, Peoples Bank has served as a cornerstone of customer commitment, helping our communities thrive and continuously supporting our community members. Proudly bearing the Finward name as a Finward Company, our logo symbolizes our unwavering dedication to financial excellence, advanced technology, and elevating the customer journey.

Headquartered in Munster, Indiana, Peoples Bank offers an extensive array of consumer, business, and wealth management solutions, alongside cutting-edge digital banking services. With 26 conveniently located Peoples Banking Centers spread across Northwest Indiana and Chicagoland, we uphold a tradition of delivering top-notch performance to our valued residents.

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