AVP/Commercial Loan Officer

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TITLE: Commercial Loan Officer

DEPARTMENT: Commercial Lending Department

REPORTS TO: EVP/Chief Lending Officer

STATUS: Exempt

SUMMARY:

Commercial Loan Officers are responsible for establishing and maintaining relationships with customers and developing referral networks in an attempt to identify new commercial loan opportunities. This position requires extensive communication skills, both written and verbal, as relationships with potential clients and other members of the team are vital for success. Knowledge of credit management, credit underwriting, analytical skills, and negotiation abilities are also important.

PRIMARY RESPONSIBILITIES: Negotiating, underwriting and coordinating the closing of new and existing loans (renewals) in compliance with the Bank’s lending policies and procedures.

Loan Production

1. The Lender must 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.
2. The lender must manage and market loan products and services to small businesses focusing on increasing product penetration, profitability, client satisfaction, and client retention.
3. The Lender must display a thorough understanding of HBM credit analysis and underwriting guidelines.
4. The Lender must have the ability to effectively underwrite and present new commercial loans requests.

Maintain and monitor the current portfolio.

1. Exemplify a sense of urgency with the portfolio management responsibilities actively working to collect financial statements and facilitate the completion of annual reviews for existing borrowers in his portfolio.
2. Timely completion of Completion of 90-Day extensions based on Noted Coming Due Report.

Business Development

Conceptualizes, develops and implements strategies for developing prospective business accounts to achieve loan goals. Participates in community affairs to increase the Bank’s visibility and to enhance new business opportunities.

1. The lender must possess effective networking capabilities and works with various business, civic, social organizations and centers of influence to contribute to attaining the ongoing goals of the Bank.
2. Maximize Prospecting Efforts - Focus on establishing and building relationships.

Professional Growth & Development

Skills and Abilities Required:

1. A thorough knowledge of commercial lending criteria and the business objectives of the lending department. Strong analytical skills to conduct commercial appraisal/income evaluations. Good interpersonal, verbal, written, and presentation skills to represent the Bank and effectively negotiate/present commercial lending deals to borrowers, and board/committee members.
2. The flexibility to work irregular hours when inspecting and evaluating prospective deals.
3. Completion of a formalized credit training program strongly preferred.
4. Bachelor’s degree required; Advanced degree preferred.
5. Five to seven years of progressively greater responsibility and experience in the commercial lending area is a must.
6. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training.

EOE DV

The Harbor Bank of Maryland is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws.