The Sr. Commercial Lender- Warehouse Lending is responsible for soliciting, negotiating, underwriting and coordinating the closing of major and complex commercial and business loans with a primary focus on Mortgage Warehouse Finance. The position is responsible for attaining established individual, division and corporate goals through active participation in sales management and officer call programs. This person will promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.
Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services.
Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.
Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer, Regional President or Loan Committee.
Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
Ensures that certification or deletion of collateral is made by the appropriate personnel.
Negotiates, underwrites and processes renewals of credit facilities.
Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
Authorizes commitment, engagement, action, and decline letters.
Contributes to the overall profitability of the region; implements costs controls, income generation, and branch and region marketing efforts; monitors expenses to ensure compliance with budget.
Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
Understands business implications of decisions; displays orientation to profitability, demonstrates knowledge of market and competition; aligns work with strategic goals.
Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition.
Represents the Bank in various, civic, community development, and CRA functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
Directly responsible in meeting annual deposit and loan growth goals assigned by senior management.
Bachelor’s degree (BA) or equivalent from a four (4) year college or university
Five (5) years or more of Commercial Credit, Underwriting and Loan Origination experience including the soliciting, negotiating, underwriting and closing of commercial Loans. Specific warehouse finance experience a plus.
Advanced knowledge of related state and federal lending and compliance regulations.
Exceptional oral, written and interpersonal communication skills.
Ability to develop marketing and business development plans to increase business.
Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
Exceptional organizational and time management skills.
Ability to work with no supervision while performing duties.