Commercial Lender

AppleOne is currently seeking a Commercial Lender for a well known bank in Louisville, KY.

Position: Commercial Lender Location: Louisville, KY
Essential Duties and Responsibilities
• Processes commercial loans and analyzes and screens loan requests for all types of loans.
• Gathers related financial and general business information, performs financial analysis needed to make credit decisions, participates in team credit decisions, and communicates with prospects and customers to close sales.
• Analyzes the credit history of applicants and determines their loan repayment capabilities.
• Responsible for the sale and administration of all banking services to include loans, deposits, cash management, etc. to all commercial clients within assigned branches and/or territory
• Negotiates credit terms, such as costs, loan repayment methods and collateral specifications.
• Develops and maintains interest rate structure to be consistent with financial institution policies and procedures, and to be competitive with current market rates.
• Evaluates potential customer loan requests and makes loan recommendations to management.
• Packages loans and recommends loan terms and conditions.
• managing problem loans within a portfolio.
• clearing documentation and financial exceptions.
• developing and growing network of referral sources for new business.
• Complies with rules and regulations, evidenced through successful completion of training and demonstrated ability.
• Represents the financial institution at various civic and community functions to enhance its image and develop new business and centers of influence.

Qualifications:
• Two to five years’ experience and understanding of underwriting, structuring, covenanting, risk-rating and pricing simple and complex commercial loan transactions.
• Ability to generate new commercial and small business loans averaging $25,000 – $50,000 and maintain a commercial portfolios.
Thorough understanding of credit principles
• Mastery of the technical requirements of analysis
• Ability to exhibit good judgment in decision making
• Must be pro-active and constructive in making credit decisions with ability to influence others with fact-based insights
• Demonstrated experience presenting and working with Executive Management, Board of Directors, and Regulators
• Ability to develop new business and effectively manage business member relationships
• Proven track record of setting and meeting strategic goals
• Excellent written and oral communication skills and ability to communicate ideas and information based on the needs of the audience

Education/Experience:
Bachelor's degree from four-year college or university in Business Administration, Finance, or an equivalent field; five to ten years of experience generating commercial loan business or related experience and/or training; or equivalent combination of education and experience.

Please send resume for immediate consideration or apply online @ www.appleone.com
#5546

AppleOne is proud to be an Equal Opportunity Employer. We believe in people, and we are committed to working with people of all backgrounds and connecting them with clients and companies who share our goals of diversity and inclusiveness. All qualified applicants will receive consideration for employment without regard to race, religion, ancestry, color, national origin, age, gender identity or expression, genetic information, marital status, medical condition, disability, protected veteran status, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable federal, state, or local laws.

The Know Your Rights poster is available here:
https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12.pdf

The pay transparency policy is available here:
https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf

For temporary assignments lasting 13 weeks or longer, the Company is pleased to offer major medical, dental, vision, 401k and any statutory sick pay where required.

We are committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please contact your staffing representative who will reach out to our HR team.

AppleOne participates in the E-Verify program in certain locations as required by law. Learn more about the E-Verify program.
https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify_Participation_Poster_ES.pdf

Founder and CEO, Janice Bryant Howroyd, is a North Carolina native who left her hometown in 1976 armed with $1500. Since then, she has dedicated her efforts to building an organization that is committed to keeping the humanity in Human Resources and Strategic, Inclusive Procurement.

Mrs. Howroyd’s commitment to excellence has grown ActOne Group to 33 countries, with over 17,000 clients and more than 2,800 employees. The largest woman-minority-owned workforce management company founded in the US, ActOne Group professionals bring expertise in delivering corporate HR initiatives to local and global markets.

Mrs. Howroyd was selected by former President Barack Obama to serve as a White House appointee and continues to serve under the current administration as an Ambassador of Energy. Mrs. Howroyd gives generously through funding and advocacy for STEM education, particularly for women and minorities.

Mrs. Howroyd leads her teams to build business success based on the ability to connect great companies with outstanding talent. Her passion for education, mentorship, and self-empowerment initiatives have earned her many professional and philanthropic recognitions. She is a sought–after speaker and media subject matter expert in her fields. Her book, The Art of Work: How to Make Work, Work for You, is available on Amazon.com.