Job Description:

You will find a lot more at Riverview Bank! Finding a place to grow, contribute and make a difference is what you will find working with us – it’s about you! We are looking for team members with vision, leadership, and that special can-do spirit. Riverview Bank strongly believes in investing in our team members, and in the communities we serve.

This position is full time and is eligible for a competitive benefits package including medical, dental, life insurance, 401K and paid time off.

 

SUMMARY

This position handles the largest and most complex loans and is responsible for the soliciting of new commercial account relationships which includes loans, deposits and other products that provide fee income to the Bank.  Officer will also manage a portfolio of over $40MM in loans.

 

ESSENTIAL DUTIES:

• Develop prospect list and a calling program to solicit new business relationships.


• Underwrite financial packages provided to determine if loan requests meet Bank credit policy.


• Work closely with Credit Analysts and Portfolio Managers to prepare and present a Credit Memorandum to appropriate approval level for new loan request.


• Negotiates terms and approval conditions with prospective borrower.


• Work closely with Portfolio Managers to manage existing loan portfolio ensuring risk ratings are appropriate; financial information is current; loan covenants are monitored, and loan payment delinquencies are minimal.


• Ensures timely and thorough monitoring of all credits through use of management reports such as Out of Compliance Report; Term Loan Review Report; Delinquency Report and Maturing Loan Report.


• Understands and observes all laws and regulations that relate to commercial lending.

 

Additional duties and responsibilities:

• Projects professionalism in both appearance and attitude when dealing with customers in order to present a positive Riverview Community Bank image.


• Coordinate, when necessary, with other departments.


• Participates in and completes all required training modules with passing scores.


• Follows all state and federal laws, and all Riverview policies and procedures.


• Work with Portfolio Manager (PM) and Commercial Loan Assistant (CLA) in managing the relationship portfolio and provide mentoring and guidance to the PM and CLA to improve their career path trajectories.


• Other duties may be assigned.

 

RELATIONSHIPS:

• Maintain strong working relationship with Commercial Loan Team Leader, peers in the lending area, retail banking and other support areas to build a team effort.


• Maintain close contact with customers to ensure that service levels are appropriate and seek new loan opportunities.

 

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

EDUCATION and/or EXPERIENCE:

Bachelor's degree; business, finance or related field preferred, seven or more years of commercial lending experience, strong credit and analytical skills, excellent communication and sales skills, and knowledge of bank services; or equivalent combination of education and experience.

 

SKILLS:

• Ability to communicate with borrowers and build strong relationships.


• Ability to read, analyze, and interpret credit related journals, bank lending policy, or governmental regulations. 


• Ability to write concise credit memorandums and other business correspondence. 


• Ability to effectively present loan proposals and respond to questions from managers, loan committees and clients in a professional manner.


• Ability to work with mathematical and financial concepts such as Global Cash flow and other financial ratios that indicate the strength of a business or individual who borrows for business purposes.


• Ability to resolve day to day problems and deal with a variety of issues that may arise in working with borrowers with minimal supervision. 


• Ability to understand loan structure that protects the bank and increases probability of borrower repaying loan is essential.


• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.


• Ability to define problems, collect data, establish facts, and draw valid conclusions. 


• Intermediate computer and keyboarding skills.


• Basic skills associated with the general use of business office equipment.

 

PHYSICAL DEMANDS

While performing the duties of this job, the employee is regularly required to sit and talk or hear.  The employee frequently is required to use hands to finger, handle, or feel and reach with hands and arms in accessing and working with files.  The employee is occasionally required to stand; walk; and stoop, kneel, crouch, or crawl.  The employee may be asked to move files, boxes, or small pieces of furniture and must frequently lift and/or move up to 25 pounds and occasionally lift and/or move up to 100 pounds.  Specific vision abilities required by this job include close vision in working with written forms and computers.

 

WORK ENVIRONMENT

While performing the duties of this job, the employee is occasionally exposed to risk of electrical shock in working with standard office equipment indoors. The noise level in the work environment is usually moderate.

 

COMMENTS

In supporting the accomplishment of company and departmental goals, it is the employee's responsibility to do all that is necessary to provide quality service to customers and fellow employees while furthering the positive image and interests of Riverview Community Bank.  It is also the employee's responsibility to continually strive to maximize personal growth.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

Commercial Lending

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