United Bank & Capital Trust Company

Commercial Lender I

US-KY
2 weeks ago
Job ID
2017-1751
# Positions
1
Category
Loan

Overview

BLUEGRASS MARKET

VERSAILLES - MAIN OFFICE

 

 

JOB SUMMARY

The Commercial Lender I is responsible for the quality and profitability of a portfolio of complex commercial and commercial real estate loans.  The Commercial Lender I has lending limits of under $25,000 unsecured and $250,000 secured.

 

Responsibilities

ESSENTIAL FUNCTIONS

  • Manages a portfolio of complex commercial and commercial real estate loans
  • Obtains and analyzes extensive pertinent financial data that may include complex data and spreadsheets of the commercial borrower and related entities
  • Makes personal visits and inspections to properties provided for collateral
  • Serves as member of the Senior Loan Committee
  • Manages delinquent or non-performing loans; manages complex negotiations to resolve troubled loan issues
  • Approves loans within established loan authority; presents loans exceeding authority to Senior Loan Committee, Directors Loan Committee and/or the Board of Directors
  • Develops new business by calling on existing clients and potential new clients; participates in the bank’s Business Development Program
  • Participates actively in civic and community organizations to promote growth and develop new business for the bank
  • Other functions and responsibilities may be added at the company’s discretion

Qualifications

QUALIFICATIONS

  • Minimum of four-year business related degree; or a level of education that together with experience and training enables the incumbent to meet the job requirements
  • Five or more years of progressively responsible experience in lending
  • Proficiency in MS Office and advanced Excel skills and experience
  • High level of interpersonal and communication skills
  • Thorough understanding of loan policies and procedures
  • Excellent analytical skills
  • Ability to prioritize and meet multiple deadlines
  • Visual acuity, with or without correction
  • Good sense of hearing, with or without correction

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