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APPLY: Visit www.opbc.com and click the link on our careers page
JOB SUMMARY
Represent the Bank with the highest level of integrity and professionalism at all times. Develop and maintain relationships with area business professionals with an emphasis on lending. Prospect commercial and business loan opportunities which meet established lending requirements, and which provide maximum profitability to the bank with a minimum of risk. Abide by the âDeliver on the Promiseâ commitments.
ESSENTIAL FUNCTIONS
⢠Develop new business by contacting prospects and clients in order to meet loan growth and profitability goals
⢠Interview loan applicants and collect and analyze financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request
⢠Establish and negotiate where necessary the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral requirements
⢠Collect and analyze information that reflects the current creditworthiness of clients and the current merits of existing loans. Information may be obtained by direct inspection of the applicantâs business and/or collateral, review of interim financial reports and personal interview
⢠Ability to analyze highly complex credit requests that may include: commercial real estate, asset-based lending, construction lending and general lending to business and professional clients
⢠Responsible for timely submission of all financial data to the Credit Analyst
⢠Ensure timely and thorough monitoring of all credits through periodic reviews, continual analysis and proper documentation
⢠Manage existing loans. Monitor loan repayment activities and take necessary action to collect from past due accounts (except special assets). Report on classified loans to the Chief Credit Officer periodically
⢠Remedy deficiencies when appropriate
⢠Advise clients, where possible, on business management and financial matters
⢠Meet loan growth and profitability goals. Develop new business by contacting prospects, clients and customers
⢠Cross-sell Bank services to other departments as well as OPB Trust and OPWM
⢠Undertake special projects relating to departmental services
⢠Participate in community affairs to increase the bankâs visibility and to enhance new business opportunities
⢠Conduct business and work relationships in a consistently ethical, professional, and courteous manner
⢠Other duties as assigned to meet client and operational needs
JOB SPECIFICATIONS
Applicant must qualify under the following specifications:
Education: Bachelorâs Degree in Business, Finance, or related area
Experience: Typically requires 10 or more years of prior commercial lending experience, strong credit and analytical skills and knowledge of Bank services
Demonstrated Skills:
⢠Solid knowledge of banking regulations, compliance issues and Bank policies
⢠Familiarity and experience with a variety of financial institution concepts, practices and procedures
⢠Solid understanding of Generally Accepted Accounting Principles and Tax Accounting
⢠Understanding of complex commercial and consumer lending terms and documentation
⢠Excellent and effective written and verbal communication skills
⢠Competency in providing exemplary internal/external client and customer services in a professional manner and with tact and diplomacy
⢠Ability to be detail oriented with good problem-solving skills
⢠Ability to tolerate high levels of stress
⢠Ability to work with others in a cooperative manner that supports a team environment
⢠Ability to lift up to 30 lbs. if necessary
⢠Ability to work hours required to fulfill job expectations
