| Location: |
Utica, NY
Mid-Atlantic (DE, DC, MD, NJ, NY, PA, VA & WV) |
| Salary Range: |
70000 - 110000 |
| Bonus & Incentives: |
bonus plan |
| Position Responsibilities: |
SUMMARY OF RESPONSIBILITIES
Responsible for full range of New business Development activities. Evaluates loan applications and makes recommendations to higher authority. Maintains a loan portfolio that includes gathering relevant financial data and maintains customer relationships. Complies with bank policies and Federal/State regulations dealing with Commercial Lending. As necessary works with more experienced Banking Officers in handling more complex relationships.
Tasks
• Develops a portfolio through New Business Development activities handling all but the largest most complex relationships with borrowing, depository and Trust needs. Maintains awareness and adherence to Bank policy as well as Federal/State regulations affecting Commercial Lending.
• Evaluates loan applications and makes recommendations to higher approval authority after analyzing borrower capacity, financial data, industry trends, collateral position, management ability and using personal judgment to determine credit worthiness.
• Maintains and services a loan portfolio including the timely gathering of financial data and keeping contact with customer, properly documenting borrower status through file write-ups.
• Seeks advice and guidance from more experienced lending Officers throughout the loan underwriting, approval and closure process.
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| Education and Certifications/Licenses: |
Bachelors |
| Mandatory Minimum Qualifications: |
EDUCATION/EXPERIENCE
• 4 year degree or related experience
• 5-7 years lending experience
Knowledge, Skills and Abilities
• Strong accounting and credit analysis background
• Strong oral, written and listening skills
• Ability to attain/exceed goals
• Strong management and leadership skills
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| Preferred Qualifications: |
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| Additional Comments: |
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| Benefits: |
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| Overnight Travel: |
None Listed |
| Relocation Assistance: |
Yes |
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