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Loan Officer

Charlotte, NC

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Description

Loan Officer – Direct Hire

We have a large national client that is opening a new office in Charlotte, NC. They are looking for loan officers with commercial lending experience to join their team. This is a strong organization with great leadership. If you are interested in joining a winning team, this could be a great opportunity.

Job Requirements

Responsibilities:

  • Interviews commercial loan applicants; reviews all required disclosures; completes loan applications and obtains signatures.
  • Generate new business customers each year.
  • Reviews business plans, tax returns, financial statements, competition, economic conditions, etc. to determine credit worthiness
  • Gathers additional data by contacting customers regarding questions/concerns; makes decisions; notifies customer; negotiates loan rate and term; obtains documentation needed for loan file, to include, but not limited to, all paperwork to comply with regulatory policies and procedures.
  • Reviews each commercial loan in assigned portfolio annually; works with Credit Analyst in obtaining updated financial statements to prepare reviews; reviews narrative report and makes corrections; ensures credit review and loan risk category is complete.
  • Contacts potential customers to sell commercial loan and demand deposit products and services.
  • Serves as a contact for realtors, title company staff, appraisers, accountants, insurance agents, and attorneys regarding commercial loan customers.
  • Visits business and/or construction sites to verify loan utilization.
  • Works with support staff to complete all required documentation, letters, reports, forms, etc.
  • Authorized to sign drafts and other documentation necessary to complete loan closing.

Requirements:

  • Possess a minimum of at least five years of banking experience in commercial lending.
  • Excellent communication
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